Keyword: «digital currency»

The article examines the concept of digital currency in two contexts: as an analogue of cryptocurrency and as a central bank digital currency (digital ruble). The authors come to the conclusion that the essence of digital currency is uniform, since it is determined by the technologi-cal aspect of its issue and turnover through distributed registry technology (blockchain). In turn, the legal nature of digital currency (cryptocurrency) and digital ruble is different, since it is determined by economic and legal aspects. Digital currency (cryptocurrency) is not a means of payment, but at the same time participates in civil circulation as other property. The digital ruble is a type of non-cash funds, that is, one of the forms of money, therefore it has all the characteristics that money has as objects of civil rights.

This article examines the trends in the development of digital currencies with an emphasis on the problems and advantages of using digital currencies of central banks (CВDC) as well as models of their development for the purpose of cross-border settlements.

This study examines an approach to regulating the legal status of digital currency (cryptocurrency) within the framework of the Romano-German and Anglo-Saxon legal family. The Russian Federation was chosen as the representative of the Romano-German legal system, and the United States of America is the representative of the Anglo-Saxon legal family. The approach of these countries to the regulation of cryptocurrencies has both general trends and significant differences in the legal aspect.