Ассиметричность восприятия модернизации денежного оборота в векторе смены экономического уклада

Abstract

Under the modern conditions of severe sanctions pressure the currency transfer is the main weapon of information and trade wars, going beyond the influence of the currency sphere. Worsening geopolitical and economic tensions, total ideological blockade, epidemiological restrictions and global changes have forced the search for new solutions in the payment industry. At the same time the large-scale expansion of the cryptocurrency market and the rapid popularization of alternative finances in all their diversity against the background of the legitimate status and the legislative basis of the appeal required an immediate response of government agencies to modern challenges, necessitating the creation of a new type of payment in the digital economy: it is the digital currency of central banks. However, the digital singularity generated by the scientific and technical revolution is beyond human understanding, symbolizing the emergence of a new reality. The impossibility of predicting it split modern information society into two poles: network and digital communities with a diametrically opposite perception of metamorphosis generated by high technology. In general, there is a rudimentary view of changes in the era of the digital reality formation from the position of money turnover digitalization but not digital transformation. The results of the study are focused on specifying the content of digitalization processes and digital transformation of social reality which made it possible to assess the potential of implemented solutions for modifying money turnover and the payment industry in the context of a new world order. The author emphasized the inevitability and expediency of digital transformation by the formation of a single trusted environment with a built-in mechanism for the turnover of the digital ruble with unique optional financial support (smart contracts, tokenization, NFT, SSI, elimination of information asymmetry, unconditional implementation of proactive mode, money “coloring”, accumulated and non-destructible mutually related information processed by artificial intelligence and neural networks, etc.), which appears as an element of anti-fragility as it is able not only to withstand economic crises, technological failures and other unpredictable events, and also continues to develop constructively under their influence, ensuring payment sovereignty.