More profitable for people. You can transfer digital rubles to each other for free within the amount in your digital wallet. You can top it up yourself by 300 thousand rubles per month, but if you have a larger internet with low latency amount there, for example, from transfers from relatives, then you can easily use it at your own discretion without any restrictions.
Business will also benefit. We plan to set the tariff for
accepting payments in digital rubles at a very low level for the market – only 0.3% of the amount. If we compare it with 1.5 – 3% for acquiring, then 0.3% will allow businesses to significantly reduce their costs.
— In essence, you are taking away some of the bread from banking organizations?
The introduction of the digital ruble,
Banks will still have the opportunity to earn money. For example, by offering customers innovative products and services. We are expanding the choice of payment instruments for citizens and businesses, the ability to freely manage their funds. And this is not a replacement of one for another. You will still be able to pay use sms marketing campaigns to announce new offers for purchases in cash rubles, cards, or SBP, if you are used to it. But at the same time, you will have another option – to pay or transfer in digital rubles. This is your choice and your decision.
— But, if we compare, I have a conditional cashback in the bank, and america email this will be an incentive for me to pay with a card, that is, non-cash, and not with a digital ruble. But I personally will have no incentive to pay with a digital ruble.
