Development of the Concept and Features of the Legal Regulation of the Digital Ruble

The article is devoted to the study of the legal nature of the digital ruble, proposed as a new type of non-cash payment, and the consideration of the prerequisites for the introduction of the digital ruble into civil circulation. The relationship of the concept of "digital ruble" with other digital assets, the features of the legal regime of the digital ruble, and the prospects for its use as a means of payment are considered. The legal regulation of relations between the platform operator and users of digital wallets is analyzed. The legal nature of the digital ruble account agreement concluded between the operator of the digital ruble platform (the Bank of Russia) and the user of the digital ruble platform and a separate agreement concluded between the Bank of Russia and the participant of the digital ruble platform is being studied. Attention is drawn to the difference in the legal nature of these agreements and a conclusion is drawn about the mixed nature of the second type of digital ruble account agreement. It is indicated that this issue has not been clearly resolved in the legislation and is debated in legal science. Questions are also raised about the features that distinguish between a digital ruble account agreement and a bank account agreement. It is concluded that, despite all the differences, a digital ruble account agreement is a type of bank account agreement.

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