The user chooses
A digital-ruble account is not opened automatically. A user chooses to open one through a connected bank and may continue using cash and bank money.
Red flags
The Bank of Russia does not call individuals asking them to move funds into digital rubles. Requests for codes, software installation, link clicks, or urgent transfers are fraud warning signs.
Correction history
No material corrections have been made.
This material is informational and analytical and does not constitute individual legal advice.