A new form of our currency – digital. Please explain what it is?
— Let’s clarify this right away. The main provisions of the law on yota ensures connection stability the digital ruble come into force on August 1. A little later, in August, we will start a pilot with real digital rubles with the participation of a limited circle of clients of 13 banks. Mass implementation will take place in stages over several years.
For us, the digital ruble is, first of all, new opportunities for people and businesses. For example, we mostly use non-cash means now. We either pay with a card or make transfers by phone number. This has become commonplace. Many people don’t even have cash in their wallets. On the one hand, it’s convenient, on the other hand, you sometimes have to pay a lot for such transfers. There are no commissions when paying in cash. It is extremely important to have a digital payment instrument that, similar to cash, can be used to make payments without commission.
— We usually don’t pay commission with non-cash payments either
— In recent years, the commission has decreased, that’s true. But this does not apply to all types of payments and transfers. For example, when you and I pay with a card, a business can pay the create sms marketing campaigns for retargeting bank from 1.5 to 3% commission on the purchase. And then it is included in the price of the goods. Many banks charge commissions for transfers, especially to other banks.
You can transfer 100 thousand rubles a month
Free via the Fast Payment System. For amounts above this, of course, we have limited the commission level — 0.5% of the transfer, but not more than 1.5 thousand rubles, but it still exists. And if we america email are talking about transfers outside the FPS, the commission is even higher.
