Адвокат Игорь Баранов | United States America (US)

Create: 2025-05-24 Update: 2025-07-09 23:33:05

Закон о цифровом рубле прошел первое чтение

Совет Государственной Думы РФ рассмотрел и принял в первом чтении законопроект о расчетах цифровыми рублями и внедрении универсального платежного кода. Цель законопроекта - расширить возможности для безналичных расчетов при оплате товаров, работ и услуг.

Цифровой рубль представляет собой отдельную форму национальной валюты. Планируется, что с 1 января 2026 года операторы по переводу денежных средств будут обязаны предоставлять клиентам реквизиты перевода или ссылку на них в виде универсального платежного QR-кода. С 1 июля 2027 года все кредитные учреждения смогут оказывать услуги на новой цифровой платформе.

Отмечу, что в настоящее время пилотный проект продолжается с участием 15 банков, около 2000 граждан и более 50 компаний. Постепенно количество участников и доступных операций увеличивается. Стоит ожидать, что в 2026-2027 годах будут появляться новые способы и сервисы оплаты цифровыми рублями, что, по всей видимости, окончательно переведет российскую экономику на цифровые расчеты.

При этом, возникают новые риски, прежде всего взлома кошельков с цифровыми рублями, мошеннических действий с QR-кодами. Надеюсь, что регулятор и банковское сообщество обеспечат надежные способы защиты граждан и организаций от преступных посягательств. В противном случае, новые возможности оплаты в цифровых рублях могут стать не популярными у граждан и организаций ввиду небезопасности такого способа расчетов.

Адвокат Игорь Баранов

sozd.duma.gov.ru

№811008-8 Законопроект :: Система обеспечения законодательной деятельности

Информационный ресурс Государственной Думы. Здесь собрана информация о рассмотрении законопроектов и проектов постановлений Государственной Думы

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Telegram auto-delete message, expiring invites, and more

elegram is updating its messaging app with options for auto-deleting messages, expiring invite links, and new unlimited groups, the company shared in a blog post. Much like Signal, Telegram received a burst of new users in the confusion over WhatsApp’s privacy policy and now the company is adopting features that were already part of its competitors’ apps, features which offer more security and privacy. Auto-deleting messages were already possible in Telegram’s encrypted Secret Chats, but this new update for iOS and Android adds the option to make messages disappear in any kind of chat. Auto-delete can be enabled inside of chats, and set to delete either 24 hours or seven days after messages are sent. Auto-delete won’t remove every message though; if a message was sent before the feature was turned on, it’ll stick around. Telegram’s competitors have had similar features: WhatsApp introduced a feature in 2020 and Signal has had disappearing messages since at least 2016.

Закон о цифровом рубле прошел первое чтение

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