What is confirmed
From 1 September 2026, the largest banks must enable clients to conduct digital-ruble operations. At the same stage, certain sellers must enable digital-ruble acceptance when all statutory conditions are met.
This is not a duty for every business
Applicability depends on the sales model, revenue, individual outlets, and the electronic-payment acceptance agreement with the relevant bank at the statutory reference date.
- Confirm whether sales are made to individuals for personal needs.
- Review organisational and outlet-level revenue.
- Check the bank agreement in force on 1 January 2026.
- Request a technical-readiness plan from a connected bank.
What individuals should know
Opening a digital-ruble account and using digital rubles remain voluntary. Accounts are not opened automatically, and the Bank of Russia does not call individuals to propose moving their money.
Correction history
No material corrections have been made.
This material is informational and analytical and does not constitute individual legal advice.