DIGITAL RUBLE IN FOREIGN TRADE SETTLEMENTS: PROSPECTS AND CHALLENGES

Abstract

This article presents a complex analysis of the prospects and challenges associated with the introduction of the digital ruble into the system of foreign trade settlements. Special attention is paid to the study of its potential as a tool for overcoming the restrictions caused by sanctions pressure and the formation of sustainable alternative channels for international payments. A detailed comparative characteristic of the digital ruble with traditional forms of money and cryptocurrencies has been carried out, as well as an assessment of its impact on operational efficiency, reduction of transaction costs and de-dollarization of foreign trade. The key risks of implementation are systematized, including issues of confidentiality, technological threats, the risk of dysfunction of commercial banks and the need for international harmonization of legal and technical standards.