Keyword: «non-cash money»

The article explores the concept of digital currency as a new object of civil rights, which emerged in the context of digitalization. The author concludes that, at present, this notion cannot be unequivocally defined. On the one hand, digital currency is a term introduced into Russian legislation to designate a cryptocurrency, that is, other property that is not a form of money. On the other hand, there is a digital currency issued by the Bank of Russia (digital ruble), which is one of the new forms of money that have emerged as a result of the digitalization processes.

The article examines the main problems of application of non-cash money in the Russian Federation, among which are the problem of fraud with non-cash funds, insufficient financial literacy of the population, the problem of modernization of the system of non-cash money payments, excessive amount of cash in circulation, territorial complexity in the implementation of non-cash payments.