Abstract
The article is devoted to the study of the legal nature of such a phenomenon as the digital ruble account. The methodological issues of concluding a digital ruble account agreement are considered. The position on the independent nature of such an agreement is defended, the originality of its object (digital money, namely, the digital ruble) and the subject (performing transactions exclusively on the platform of the Bank of Russia) is shown. It is shown that, being a multilateral agreement of accession, it cannot nevertheless be classified as a public agreement. The main responsibilities of the operator, participants and users of the Bank of Russia platform are formulated. The impossibility of moving such a key function of banks as attracting deposits to the Bank of Russia platform is proved, and other features of the digital ruble account agreement are shown.
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