there are your own questions, yeah, what can you tell denis, comment, i will comment, this is still animation, this is not a full-fledged video, kandinsky did it, yes, kandinsky did it, it’s like how he does it, he draws first frame according to the text, and then you choose, that is, how animation differs from video, in that animation is a camera flying around a static object, or some kind of camera movement, and video is a full-fledged movement of everything, here after all. animation because there is a first frame and then we select camera movement, well, that is, the monotonous movement of the camera, such a zoom, and we select the first one, draw the first picture according to promtumin, and we can, without creating a new model, based only on the model that generates an image from the text, generate animations like this, let's tell where to look, yes there is, there is actually a telegram bot, within which you can create animations like this, that is, everyone can

do this, yes, well, that is, it copes with complex tasks, well, that is, a telegram bot, this means, the current task was , in my opinion, very difficult, i honestly don’t remember exactly what industrial processes were there, that is, you don’t need a lot of memory, it’s all created in the cloud somewhere, yes, it’s all created on a supercomputer, and about a supercomputer - this is an interesting topic, well, the training of the model itself and the application of the model, well, it’s called inference, it requires computing power, yeah, the model is huge after all, yeah. on an iphone, roughly speaking, it will not start on your smartphone, although progress is also being made towards this, so that it was launched on a smartphone, well, at the moment kandinsky is running on the supercomputer cristofar, this is our supercomputer on which we teach models, both language and these generative ones, which turn text into a picture in a video, uh, well, that’s where we actually use them when you make a request, it flies to a supercomputer, it is processed there, it is there that kanzinsky lives, yeah. it is there that he

makes a picture from the text, the picture is returned back to you, what do you use, a telegram bot or well, in a bot it’s something the number of iterations, that is, i go into the bot, talk about what kind of picture i want to create, the picture comes, then the next stage, i say what i want to see for the movement, and it gives me an animation, and i stand in line and wait , when will all this happen, because millions of people are in a supercomputer, hop, that’s right, yes, but we actually have ways to scale. a supercomputer contains not one computer, but many, of course, if a million people come, there will be a queue, this is inevitable, in this sense it’s like inference doing it on a device, that is, a smartphone, is much better, because you don’t stand in a queue, you do it there, but we try to keep a lot of resources on the supercomputer so that the queue is still satisfied, so that there is no, say, queue at the same time there are a lot of people, i wonder why you feel that they are behind you?

competitors are spying on you, i can feel it, that is, you feel this attention on yourself, yes, and since they are spying on you, it means you are doing something that apparently causes them, i don’t know, fears it seems to me that with everyone who is creative and creates something , competitors are spying on them, to be honest, and this is not artificial intelligence, this is not an exception, of course, but just how much you are ahead of your competitors, this is a conditional competition.

conditionally, there are such teams that develop these models, for example , yandex has a masterpiece, and the guys are making a fairly similar technology, the only thing is that they don’t have video generation, but today we only watched animation, it’s not a video, it’s still a full-fledged video - this is a movement everything in a row, i have a question that concerns copyrights, intellectual property, it’s clear that leo tolstoy, the novel said at the beginning. it’s as if he didn’t pass it on to anyone as an inheritance, he’s open history, yes, that’s when you load data into a supercomputer, and you license it, or they’re kind of in the public domain, or it’s not necessary, well, they’re not exactly in the public domain, that is they are on the internet, most likely in the public domain, yeah, when we uploaded them, it’s still like we were their whole dataset as a daddy, we don’t post it anywhere, of course, yeah, it's stored there as a kind of database. some kind of

base, yes, why actually we can’t do it differently, because the model needs to be shown at the training stage and pictures really need to be shown. the first picture of it, who is the author, artificial intelligence or the person who ultimately generated all this, oh, this is a very good question, in fact, who owns the copyright, and, as it were, including at the legislative level? everything is being developed and let’s just say that at some point it will probably be fixed. although this a very difficult question, you know, as they used to say, there is an angel on my shoulder, an angel was sitting and he told me, when someone is the creator of something, what is the real difficulty here , determining who the author is? there is data, of course, behind each photograph there is some kind of author who took this

photograph, that is, there is an author of the photograph, it’s another matter when there are one and a half billion of them, then it’s as if these authors are all somehow mixed, and most likely the author, the author there are no one and a half billion photographs, that is, this is a huge number of people, there are millions of people, with on the other hand, there is a company that purchased a supercomputer with its own money, this is a very super expensive event, in fact, all the calculations took place on this supercomputer, that is, it can claim ownership; on the other hand, there are developers who are people who sat their knowledge was, as it were, converted into a wireless network, that is, they can say that , in fact

, they may, as it were, claim its authorship, well, companies, developers, and so on, the model itself has a license, so, for example, kandinsky, and this also depends on, that is, a masterpiece is a model that is not posted and is not in the public domain, kandinsky is the opposite story, since

ours is one of our first missions, i already talked about this, after all to move the community as a whole and move science forward, then we make the model publicly available. you can use the model, absolutely not for as if without paying some company, and deploy it on your own, and why create such a model that is not widely available, this is to some limited circle of people used it, that well, not well, to sell generation, we continue the creative industry podcast, our guest today is the man who created the kandinsky neural network, denis dimitrov and...

pictures, i can even tell you on my fingers, just imagine like a person creates a picture, any, any image, any painting, he has some kind of white canvas, well, not necessarily white, just white paper. some kind of empty, napkin, napkin, yes, there is a tablet screen, it has some kind of idea, necessarily, he starts sketching out some details, with a pen, a stylus, whatever, he adds details, maybe removes something, well, a person also has patterns in his head, that is, he will remember something, he, he he has

a pattern, this is after training, step by step, he simply creates a picture, like creating a kandinsky model, in principle you can draw an analogy, he begins to draw a picture with the so-called white noise, what is it? well, this is when there is no signal on the tv, there is interference, just some kind of matrix naturally, this is your request, this is the same idea. the final picture is lysed, so to speak, appears, so to speak, for example, you want to make a pug in space, yeah, so you

always have white noise at the beginning, and step by step you get a pug in space at the end of this process, if the noise is slightly different , it is clear that the noise can be any way you like, that is, swap two pixels there, there will be another, but also a mob in space, this matrix is ​​in some sense responsible for the imagination of the model, this can be visualized, but here it is this process is called denoising or denoising, so for it to happen correctly, we need to show this neural system 1.5 billion pairs of picture and text, that is, so that it learns to connect text and image, in principle, there is an analogy with a person in this sense, and you do all this every day, and we do all this, well, we do all this every day, not russia, we do all this, and we improve the nera network every day so that it is better, this process, let’s talk about the horrors of the future, but... the person will do without this intermediary,

generate your own images straight from your head, let’s say on some kind of canvas, i don’t know, well , in the digital sense, of course, there is actually research, i wouldn’t say that it’s just super there there is a lot of practice and it is actively used there, but there are studies. roughly speaking, understand what you want, or you close your eyes, imagine it as something, i don’t know, for example, some kind of palm tree, and you can decode the picture purely from brain signals at the moment you imagine, that is what did you, what did you really present, in general, this is also done by neural networks, others, they are not based on the text.

slightly different, that is, like one model needs a supercomputer, but it’s not yet possible to train all people, and it’s expensive to teach a model for each person, you need a supercomputer for each person, some kind of universal thing that everyone understands, in general, i hope, i hope that not soon, and moreover, it will still remain, that is, there is no need to be afraid of it, even though it sounds futuristic somehow, but be afraid of it it’s also not necessary, because in general this will be used by people who, for some reason, cannot write, but... if you know how to write, then you will not attach electrodes to your head, you will, it will be easier for you to write, were there moments when you realized

that the neural network that you created was doing something that you did not predict, secondly, is it necessary to think about limiting it somehow, generally speaking, have already started, in fact, here are all the generative models that are being created so far that, well, those that will be created, they tend to golucinate at some point, this is just official. term, this means that if a neural network does not know something, and you still asked it to create it, it cannot create it, it cannot create it, let’s say, that is, it creates something, well, not what you want, and something is wrong, but it creates it anyway, and this is probably best seen with and can be traced, as it were, with language models, you know, when gpt came out, these problems were especially visible, and they asked what was harder, kilogram of fluff or a kilogram of lead, well, it’s clear that the neural network... of the waiting data saw the word fluff with the word light, she saw it much more often than fluff with the word heavy, well

, on the contrary, which is logical, and of course she answers that a kilogram of lead means heavier, a kilogram of fluff is lighter, yeah, and explains why, for perfection, there are three or three paragraphs there, why this is really dangerous, because a schoolchild, for example, who looks at the answer of this model, he will believe her and then go broadcast. further this thought to his peers, and so on, yes and what to do? we need to fight hallucinations, in principle, this is the area that is now most actively developing, like this large generative language model. teach the model to hallucinate less, well, we started with the fact that we are, in general, lukewarm, so to speak, if our digital images were created, created by artificial intelligence, it would be interesting to look at them, of course, here are our models and here

lena wondered what we could look like, we just have a question about this, oh, yoshkin, who is this yeshkinko? no, it’s okay, it’s some kind of deo, but you know how pardinsky sees us like that, yes, uh-huh, wow, why did he make us look so young, look, he’s giving compliments , but he’s hallucinating, and i you, you see, in the form of prom in my head, you look exactly like that too, and i’ll actually tell you how - we get photorealistic portraits, we have a team that deals with detecting fakes, you know, it’s especially relevant now, the actual problem is that with the development of generative models, you can generally make a bunch of fakes and display on the internet, and this can bring huge losses to both companies and states and all sorts of reputational costs, that is, you need to learn to distinguish what is created on a neural network, what is not, so we actually, as part of detecting fakes, decided to make a model that generates fakes, why, then,

on the dataset that generates the generative model for creating fakes, to complete the detection model and so, as if, as part of this work on detecting fakes, we made a model for generating fakes and applied it here, that is, like a model, kandinsky creates your face, first there is a model that describes you, then kandinsky creates your image, with a tiger, for example, you can put in anything, there at the sea, there i don’t know, in winter, on mountain skiing, and then the fake generation model, this one of ours, which helped the fake detection model, simply transfers the face, that is, this is the real you. in principle, it is, yes, dear friends, denis dimitrov is our guest in the creative industry podcast on channel one - the man who created neroset kandinsky wonderful team, and the main conclusion, even if we don’t have everything, in general, in the end we understand, there’s still nothing to be afraid of, look at how nice, smart people are doing

those things that you and i may be afraid of for some reason, there is no need to be afraid, because this... is the competitiveness of our country, and it is in the reliable hands of people like denis. denis, thank you very much, thank you very much, we are waiting for the next stage, antennas on your head, analog versions of the presenters, elena kiper, producer music video director and roman karmanov, general director of the presidential fund for cultural initiatives. it was a creative industry podcast on channel one. see you. this is the easy money podcast, i am its host , mikhail khanov, and today we are dealing with new classes of digital assets, with a new instrument, such as the financial ruble, with new investment, individual

accounts for citizens of the russian federation, and the chairman of the committee on financial. market of the state duma, anatoly gennadivich oksakov. hello, anatoly gennaevich. hello. well, right off the bat, let's talk about what a digital ruble is? yes, what everyone cares about now is what everyone hears, no one knows what it is, let's try to figure out what it is? there is a ruble that we carry in our pockets in cash, we pay with it in cash in stores, in other retail outlets, in pharmacies. there is a ruble that circulates. banking system, that is, moves from one bank account to another, for example, if you came to a pharmacy, a store, paid for a service or product with a card, then accordingly the ruble is transferred from your bank account to the account in the bank, retail outlet or pharmacy, this is a non-cash ruble, but now there is a digital ruble that circulates on

the computer and on the computer a certain account is also recorded there, and the most important question opens: whose? a computer, well, a computer of a central bank, that is, it is not a computer, not a commercial organization, but a central bank, and in fact it may be located, well let’s say, in one place, well, those who want to use the digital ruble, this is not necessary, that is, if you want to use it, use it, if you don’t want to, don’t use it, respectively, if he pays for a product or service, then the ruble located in the central computer bank, simply moves from one account to the same one. computer to another account, the only difference from non-cash is this: can the digital ruble be called a cryptocurrency of the central bank? to some extent, it can be so. talk, but still , in general, it turned out that way, we agreed that cryptocurrency is private money that circulates, where the issuer is not

the state, yes, where the issuer is some kind of private organization or a private person, and he also accesses the computer, but only the issuer is not the state, not the central bank, but a private one, that is , there will be no backing, but this is the first thing we note for ourselves for our... audience, that is, there is no such thing that now we are all switching to digital ruble, absolutely not, and this is correct, also, by the way, there is no obligation to refuse cash ruble, although we already have almost 84% of private turnover, when individuals pay for goods and services using payment cards, only 16 percent is cash, well, you know, we’ll save it like a politician. and just an experienced person, that in order for people to start using something en masse, there must be some advantages, these are the advantages of the digital ruble, well, we’re not talking about cash, this is understandable, before

non-cash money, why do i, how this is more convenient for me, i said that many people now use payment cards, while the theft of money from the accounts of citizens who use payment cards is quite large, more than 15 billion rubles were stolen last year, and for this they use various tricks, psychological pressure on people, sometimes even the person just doesn’t know, somehow they took possession of his payment data, his accounts were transferred money remotely, the digital ruble is protected from this, the digital ruble, well, from my point of view, it is 100% protected, as because its circulation occurs in the central bank system, in the central bank computer. obviously he sees, yes, the operations for the central bank will be transparent and understandable and he will track the movement, well, since

the central bank system is protected much more powerfully, so to speak, all the power of the state is aimed at this, so the central bank guarantees, and i too in principle, i can still safely say that if suddenly, due to the fault of the central bank , money is stolen from your account... this is a digital ruble, then the central bank will have to be responsible for compensating the damage, which you suffered due to the fact that you stole money from a computer account in the central information system, let's call it an information computer somehow, i think that our audience imagines there is some kind of computer in the central one, that is, it is a huge platform , it would be correct to say an information system, and there can be a lot of computers. a tricky question, let’s say i have digital rubles, i transferred them to a bank account. everything is not digital, that is, the trace is gone or something, or digital rubles somehow marked, that is, i went to the banks, circulates in the banking system, but the trace is gone, that is, the trace is moving, well, let's just say,

its coloring appears only inside the platform of the central bank, when it is in digital form, so what benefit, that is, it turns out that the scammers motivate the victim to transfer money somewhere to their account, not to a digital one. space it turns out that there, that i transfer from a regular bank account, that from a digital platform, the difference is the benefit is that if you have money in the central bank platform, then, firstly, you can’t get them out of the platform itself, but in our country it happens that money is in the bank, it was stolen because they gained access to this system, but unfortunately, there are such cases, this is a plus essential, yes, secondly, the central bank -

go, what is it really spent on, well , yes, we want to implement this, so-called smart contracts in order to track the intended use of money so that they cannot steal it somewhere implemented on the side, this will obviously be implemented, moreover, i so insistently suggest that the central bank should start in chuvashia, since the deputy from the republic, and even there the head is a former banker, minister of finance, former banker,

and is actually playing in their field and taking away their stake, or is this not so? well, it’s clear that for credit institutions the digital ruble is a risk, a threat, in my understanding that a period will come when they may lose their role, they will not be needed, since the mission they perform will simply disappear, that is, will issue loans and deposits all over the world. well, at least not the central bank, but there may be some authorized body, we will specifically deal with this, who understands this, because banks make money from the money that citizens and enterprises bring to them, they put it in bank accounts, banks, having certain amounts, issue loans, carry out operations, for this they receive either interest, or there

are some kind of commission payments.

the central bank has more money than any other commercial structure, especially since it is not profitable for banks, and accordingly they develop this system, let’s say, well, a priori they shouldn’t, because it creates a competitive environment for their work, someone has to do this, here is the central bank, which has financial power, which has intellectual potential, and which, in

a certain sense, wants... to create - competition for the banking system so that it begins to develop even faster, well , in fact, competition, yes, this is the positive aspect of the digital ruble, as soon as it gets its kicks and begins to compete with the banking ruble, then banks will begin to come up with various other options for luring clients and these services will become cheaper, better quality, this is a plus, including, by the way, the digital ruble, that is , it turns out that the central bank will...

moved there, so in principle, the right thing to do is the central bank, pushing credit organizations with with the help of an alternative created by the tseb officers themselves. to ensure that credit institutions develop, offer increasingly better services, again cheaper and cheaper, yes, work better and better and cheaper. in terms of timing, what can you say, that is, last august testing of the platform began in the year, several commercial banks are participating there, well , of course the central bank, at what stage is this whole project in general, when can we say that that’s it, i can, i’m mikhail ikhanov, i can open a digital wallet on the central bank platform , not as an experiment. i think that 2-3 years, and here the central bank also approaches wisely, it does not force, it does not force, yes, it tests, it tries, it is already developing infrastructure in the regions, including, because this should be the case for all regions these are the information centers

servicing payments using the digital ruble, so, let's just say, progressive work is underway, again, jobs for it specialists, jobs for it specialists, i can say that... hundreds of thousands of even our it specialists will get work, well, let's summarize this block for our audience, the digital ruble is the same, the same form of ruble as a cash ruble, like a non-cash ruble, there will be no obligations, as our people say, no one will force you to switch to digital assets, it's just a step in the next stage of progress, that's exactly how we pay. certain applications, chip codes, cards themselves appeared, this is the next step, just in the development of technological progress to deny this is not just stupid, but pointless, the whole question is how correctly the central bank will build regulation for banks, as participants

in this system and for you and me, as ordinary users, beauty, what a mish you are, it’s all the same, you’re beautiful, here you go, bear, i can’t get used to ermakov now.

or your interaction with the broker, with bank, the money is placed in some securities, in some projects, and after a certain period you can sell these securities, receive income, and accordingly take advantage of the benefits, what benefits, yeah,

if you invest up to 400,000, well, you can invest millions, but in the amount of 400,000 rubles, you receive a tax deduction, that is , 52... rubles, the state actually returns 13% to you, 13% of the tax that you must pay, well, let's clarify that this rule applies only to those who is a taxpayer who a officially... they pay tax, and it is from this money of tax already paid for the year, uh, at the end of the tax period, somewhere in february, march, even in april, the state returns you 52,400,000, uh, thus stimulating to start you off, i understand that - and this is the case all over the world in russia, that this is a tool for getting to know what financial markets, the stock market are, in order to start investing, and... it’s not necessary to immediately participate in some projects, yes, it’s not necessary to post it right away

money in some kind of, i don’t know, investment programs, funds and so on, you can just simply buy federal loan bonds, yes, that is , give them as state loans, without risking anything, at a high interest rate, at a fairly high interest rate, now there between 13.5 and 14, now there are long ofzs coming, i even saw some ofz papers at 16%, and maybe not ofz, but government papers. yes, you can earn a high income there, but there is a second type of deduction, when the first type of deduction is just a tax, the tax is returned, and if i am taxpayer, but in iisa first and second, it was possible to choose the second type of deduction, when the money i earned in this account is exempt from income tax, that is, let’s say i earned a million and 600 thousand from 400 thousand plus i have to pay 13%.

52,000 rub. well, after 5 years you invested in

some kind of super project, this project brought you an income of 30 million rubles. in 5 years. these 30 million rubles. which you received thanks to investing in this information project, for example, is exempt from income tax, that is, you are fully 30 million, thanks to this investment, you take it without any taxes. at the same time, the period of validity of the iis is... 5 years, or it is currently 5 years, then gradually it will be increased to 10 years, yeah, that is, well, in order to attract you, interest you, first they set this period, and then 6 it will be 7 years, eight years, but it’s good if i’m in my second year, 2 years have passed, or even 3 years, i’m still investing there, let’s say i’ve already started earning money, i’m still investing a million somewhere with isa .

i think we’ll pick it up, given the current pace, and of course, thanks to you, your program, many will also want to try working with this tool, yes, i think that this is generally a great way to try to start working with the market, and de facto secure your investment activity with the help of the state, well, firstly, you can simply place money in federal loan bonds do not do this at a brokerage. account, on a regular account, yes, on an iis account, thereby receiving a tax

deduction of 4000 and also freeing up all profit from income, one more thing that, well , may be of interest, up to 1.4000 rubles, for now we assume that in the near future, i think, that all this will be regulated by law, funds on iis will be protected by a deposit insurance system, protected from bankruptcy of what? because i invested in oil stocks or something else? from the bankruptcy of a professional market participant through whom you work through a broker, for example, like this and accordingly. but at the same time, these small amounts that they send through a professional participant, they accumulate into billions, hundreds of billions of rubles, so when it is planned to accept

this law? i think that we will literally regulate this in the spring session so that the law begins to take effect, yes great, well... summarizing this block, i once again confirm, as a matter of fact, both a professional participant, an active user himself, and isa propagandists, our audience to take advantage of this opportunity, this is an opportunity to start, to really get acquainted with the investment world, there is no risk, that is, no one is forcing you to buy gold, shares or sell or invest in some mutual funds, and so on, you can just open investment account. buy federal loan bonds through this investment account, in addition to the fact that you will receive a return on federal loan bonds, a coupon, yes, by lending money to the state, you will also receive a tax deduction from the state, and if you are a taxpayer, 52,000

maximum at a time , and all this profit can be exempt from tax, digital financial assets. how relevant is this topic in general, how interesting is this topic for market participants, and what do you think about it? do you think, and what do state legislators think about this? a digital financial asset is actually a paper, again, but issued, yes, a security issued in a distributed registry, that is, it is not taken into account there by credit institutions, it is again in the computer and... the central bank or not? no, there may be private, uh, information here, for me, let’s say, it makes a difference if some large company says that these are my gangs, yes, debt obligations, and these are my digital financial assets, what difference does it make? , the difference is in accounting, only in accounting, only in accounting, yes, that is, this is just a new way

of keeping records, uh, of your debt obligations, there may be something else, what classes fall under the abbreviation dfa. that, what can be digital financial, so-called tokens are simply issued in order to finance, you can compare them with bonds, just bonds, well, let’s say, are not issued in a distributed register, but these are in a distributed register, but - they are issued to attract money for the implementation of some project, that is in fact, the issuer is, he is launching his own cryptocurrency, maybe, that is , in fact, this is just a new form.

so far, from my point of view, everything is being issued, well, in such a trial mode, and in order to test it, try how it works, well, from my point of view, the issuers issuing securities, they already know who is the purchaser of these securities, that is, that’s all for now , what is the volume approximately? so that more than 300 securities are issued for about 70 billion rubles 70 billion rubles the entire volume of digital financials the entire volume is, well, small. basically small, but process, as i already said, every day some organization issues such papers, and we recently passed a law allowing the use of sfa in international settlements, yeah, well, now it’s probably relevant, including this, given that it’s relevant , we know that some organizations

are interested in this project, are already participating in this process, it is clear that our enemies are watching this, right? so i won’t talk much about it, well, yes, we won’t tell unfriendly countries what we are going to do, we have the tools for this, including ours partners abroad, since the movement of these digital financial assets is precisely due to the fact that they circulate outside, well , the traditional banking system and the financial system, they are not visible, well, at least not as visible as in the traditional system, respectively. there is an opportunity to be less afraid of unfriendly actions there to interfere with this turnover, that is , digital financial assets now represent debt obligations.

well, the risks, accordingly, are the risks of the issuer, and those issuing these figures, and there are issues related to the compatibility

of information systems, we are now just what it is, well, everyone has created their own information system, naturally it has its own specifics, these information systems need to be conditionally company c created an information system by company b, they may be incompatible, so that it is possible .

set certain requirements so that not everyone can plunge into this huge world of investments, and, as a rule , you can lose money there if you are not an experienced investor and immediately go straight into it, as they say in breaking bad high returns, which, as soon as you learn with experience, are associated with huge risks, that’s what now, how much has this topic advanced, that’s how much more stringent are the new requirements for potential investors, including on the moscow exchange? or with any of the same assets from the ofz, from the fsa, there is some pretty tough news in this regard, decisions were made regarding

admission to the professional market in general, well , last year we worked closely on this for 2 years, well, constantly on this study, but last year we looked like, now we look like it looks like a limitation, well, a limitation that there must be experience, education, that is , a certain period of work in the market, first working with, let’s say, ofz, with traditional tools. which do not carry risks, you gain experience, then you can, that is , right away, let’s explain for our audience that ordinary risk-free instruments, such as deposits, well, for this you don’t even need to open brokerage accounts, work with ofzs, work, well, i don’t i know, there are shares included in this pool, the simplest ordinary shares are included, shares included, that is, you don’t have to worry that you are limited from everything, this is not the case, but from complex tools, but like that, well, if someone is interested, then you can. search in the search engine for derivatives, especially complex derivatives, derivative financial instruments, where, as they say,

older people will break their damn leg, so i think that for...