The advent of blockchain technology and digital currencies has caused a revolutionary shift in the financial sector. The article examines the advantages, threats and possible problems associated with one type of digital currency – the central bank digital currency (CBDC). A qualitative research method is used to collect data, and the differences between the digital currencies of central banks and the current conditions of their regulation are summarized and compared.
Crypto currency, banks, digital currency, CBDC.
1. O vnesenii izmeneniy v stat'i 128 i 140 chasti pervoy, chast' vtoruyu i stat'i 1128 i 1174 chasti tret'ey Grazhdanskogo kodeksa Rossiyskoy Federacii [Tekst]: feder. zakon ot 24.07.2023 g. № 339-FZ.
2. Cifrovoy rubl': chto eto takoe i kogda on zarabotaet v Rossii [Elektronnyy resurs]. — URL: https://journal.tinkoff.ru/guide/digital-currency/.
3. 5,300 New Tokens Launched Daily in 2024 So Far [Electronic resource]. — URL: https://www.coingecko.com/research/publications/how-many-cryptocurrencies-are-there.
4. As-Salafiyah A. Central Bank Digital Currency (Cbdc): A Sentiment Analysis and Legal Perspective [Electronic resource] / A. As-Salafiyah, A.S. Rusydiana, I. Ihsanul // Journal of Central Banking Law and Institutions. — 2023. — № 2 (2). — P. 347–372. — URL: https://doi.org/10.21098/jcli.v2i2.177.
5. The Development Status and Trend of Global Digital Currency [Electronic resource] / S. Ba [et al.] — URL: https://doi.org/10.19647/j.cnki.37-1462/f.2020.11.001.
6. CoinMarketCap. — URL: https://coinmarketcap.com/ru/rankings/exchanges.
7. Cœuré B. Central Bank digital currencies [Electronic resource] / B. Cœuré, J. Loh. — 2018. — 34 p. — URL: https://www.bis.org/cpmi/publ/d174.pdf.
8. Demertzis M. The Geopolitics of Central Bank Digital Currencies [Electronic resource] / M. Demertzis, J. Lipsky // Intereconomics. — 2023. — № 58 (4). — P. 173–177. — URL: https://doi.org/10.2478/ie-2023-0037.
9. Money and Payments: The U.S. Dollar in the Age of Digital Transformation January 2022 [Electronic resource] // Federalreserve.gov.
10. Prajapati S. A Critical Review on Future Trends of Digital Currency [Text] / S. Prajapati // International journal of scientific research in engineering and management. — 2024. — № 8. — P. 1–5. — DOIhttps://doi.org/10.55041/IJSREM30687.
