The prospects for digital currencies using in the context of modern economic transformations
https://doi.org/10.28995/2073-6304-2024-4-103-116
Abstract
The paper formulates the concept of “digital currency”, presents types of digital currencies, their classification. It considers the circumstances of the growing popularity of virtual types of mutual payments, which led to the transition from the system of traditional remote banking services to digital forms. A comparative description of existing types of digital currencies is given, such as centralized and decentralized digital currencies, virtual money and stablecoins. The article highlights main features, advantages and disadvantages of each of them. The author established that business representatives in Russia are interested in payment technologies using digital currencies. Active transformations during the period of digitalization in various fields of activities in Russia contributed to the adoption of legislative acts and the issuance of national digital currency – the digital ruble. In the future, it is expected that the services provided by virtual payment systems will be improved, more secure, transparent, reliable and accessible to users.
Keywords
digital currency,
banking,
centralized electronic currency,
cryptocurrency,
virtual money,
stable coins
Supporting agencies: The research was carried out with the financial support of the RUDN within the framework of the scientific project No. 061120-0-000 “Development of modern financial technologies in conditions of sanctions restrictions”.
About the Author
D. V. Lebedeva
Patrice Lumumba Peoples’ Friendship University of Russia
Russian Federation
Russian Federation
Daria V. Lebedeva, Cand. of Sci. (Economics), associate professor
bld. 6, Miklukho-Maklay Street, Moscow, 117198
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Review
For citations:
Lebedeva D.V. The prospects for digital currencies using in the context of modern economic transformations. RSUH/RGGU BULLETIN. Series Economics. Management. Law. 2024;(4):103-116. (In Russ.) https://doi.org/10.28995/2073-6304-2024-4-103-116
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