of your usual mobile application. The bank will guide for salespeople: 21 tips to take off in salesoffer you to open a digital wallet and, if you agree, will provide the opportunity to top it up from your ruble account. After confirming this operation, you will receive your digital rubles and will be able to use them — transfer to each other or pay for purchases.
The mechanics of the operations are similar to the usual card-to-card transfers, via the Fast Payment System or payment via QR code.
— Why do we need a digital ruble if the payment scheme is the same?
— The mechanism is indeed very similar to existing methods, but there are important differences.
A citizen or company will have one digital wallet, and access to it will be through any bank where he or she is serviced. If you have accounts in, for example, three banks, then you will be able to “get into” your digital wallet through the mobile application of all three of these banks. You will choose which one is more convenient for you to use at any given moment.
Traditional non-cash accounts are separate
at each bank, and if you change banks, you first need to open an account at the new bank, then transfer your money there, and then close the account at the old bank. With a digital wallet, you don’t have to do that.
And another very important point: we plan that to achieve maximum efficiency transactions with digital rubles will be free for citizens. So, choosing digital rubles for payments ao lists and transfers, people will no longer depend on bank tariffs. It is no secret that there are many discussions on this matter now.
