The article identified 56 cognitive architectures for creating general artificial intelligence (AGI) and proposed a set of interrelated functional blocks that an agent approaching AGI in its capabilities should possess. Since the required set of blocks is not found in any of the existing architectures, the article proposes a reference cognitive architecture for intelligent systems approaching AGI in their capabilities. As one of the key solutions within the framework of the architecture, a universal method of knowledge representation is proposed, which allows combining various non-formalized, partially and fully formalized methods of knowledge representation in a single knowledge base, such as texts in natural languages, images, audio and video recordings, graphs, algorithms, databases, neural networks, knowledge graphs, ontologies, frames, essence-property-relation models, production systems, predicate calculus models, conceptual models, and others. To combine and structure various fragments of knowledge, archigraph model are used, constructed as a development of annotated metagraphs. As other components, the reference cognitive architecture being developed includes following modules: machine consciousness, machine subconsciousness, interaction with the external environment, a goal management, an emotional control, social interaction, reflection, ethics, worldview, learning, monitoring, statement problems, solving problems, self-organization and meta learning. Based on the composition of the proposed reference architecture modules, existing cognitive architectures containing the following modules were analyzed: machine consciousness, machine subconsciousness, reflection, worldview.