Abstract
Objective. The aim of the work is to determine the prospects for the development of digital financial instruments in the management of social and economic systems. Method. The comparative analysis of the results of an anonymous survey using interactive multi-user social networks was used as research methods in the work. Result. The factors and key parameters influencing the development of cryptocurrency mechanisms are revealed, the advantages and disadvantages of using digital tools are identified. Suggestions for the management of cryptocurrency instruments and recommendations for improving the reliability and development of digital instruments in the financial and digital environment are given. The results of the analysis of a survey of 1121 respondents on the topic of using cryptocurrencies are presented. The results of the study showed that the most commonly used cryptocurrencies are Bitcoin and Ethereum, with a significant proportion of respondents preferring digital activities such as mining and trading. At the same time, a significant number of respondents believe that the future development of digital financial instruments is directly dependent on the legitimization of cryptocurrencies by the state and improvement of blockchain technology. Conclusion. The development of cryptocurrencies cannot be assessed unambiguously. With the development of cryptocurrency instruments, a number of threats arise, which include significant volatility, the presence of legislative restrictions on their use, and the inability to withdraw operations. The further development of cryptocurrencies should be associated with the legal regulation of their distribution, both at the national and international levels, which will ensure the determination of their legal status among other monetary units. It is also necessary to carry out a phased introduction of cryptocurrencies into payment systems for cash settlements, which should be carried out on the basis of the organization of the official circulation of cryptocurrencies and blockchain technology.
Highlights
The aim of the work is to determine the prospects for the development of digital financial instruments
The comparative analysis of the results of an anonymous survey using interactive multi-user social networks was used as research methods in the work
К основным проблемам относятся риск официального запрета, волатильность обменного курса цифровых валют, отсутствие обеспеченности виртуальных валют, отсутствие гарантий сбережения криптовалют, риск потери криптовалютного кошелька и отсутствие возможности отозвать операции
Summary
В ходе исследования было определено, что имеют представление о виртуальных валютах 75,4% респондентов и 15,2% участников опроса обладают поверхностными знаниями о цифровых активах. Исходя из полученных данных исследования, установлено, что более 64% аудитории проводят криптовалютные операции от 0 до 50 операций в месяц, что свидетельствует об их потребностях в цифровых услугах, а также 12,5% участников опроса активно используют виртуальные валюты, что говорит об их профессиональной криптовалютной деятельности. Структура доходов от использования криптовалют среди респондентов опроса, показана на рис.[10].
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