About the article
V.A. Nikolskaya, G.V. Koshkina, K.E. Nikitina-Koshkina
This article presents a comprehensive analysis of the security of the digital ruble (DR), covering its legal, technological, cyber, social, and economic dimensions. It examines the legal framework based on Federal Laws No. 152-FZ and No. 340-FZ, the technical security architecture employing domestically developed software, cryptographic solutions, and specialized modules, as well as key threats ranging from phishing and fraud to systemic risks associated with centralization and potential state intervention. Particular attention is given to anti-fraud mechanisms – including triple-factor authentication and guarantees for loss compensation – as well as to the critically important social component: public trust, which remains low due to misinformation and concerns about financial surveillance. The paper also analyzes the economic implications of the DR for the banking sector and its potential role as an instrument of financial sovereignty under international sanctions. The study concludes that the sustainable and successful adoption of the digital ruble is feasible only if a balance is achieved among technological reliability, legal transparency, economic stability, and public trust.
digital ruble, security, legal regulation, financial sovereignty, cybersecurity, anti-fraud mechanisms, social vulnerabilities.