[000:00:00;00] to a digital account, let’s call it that, now, yes, you can even use it, and using the media there, whether it’s a card, or a flash drive, you can use it even where there is no access to communication, everything that has there, that’s what you can use information enter this sphere, please, you like this idea more than non-cash rubles, and you understand, this is scientific and technological progress, you cannot stop it, just as you understand, it is probably not very correct to ask what is better , plastic card or this one here smartphone for calculations, nearfield communications, that is, near-field communications, now we’ve been talking here for a long time, it’s time to relax, communication of neighbors, let me explain for our audience, this is when you bring, well, either brought a watch or a phone, at a distance there 5 cm provided the transition, but of course you first need to register in your smartphone that such and such a card is linked to it, which in turn is linked to such and such an account and

then. already the device, which is located on the side of the money acceptor, will write off a certain amount, with which it is absolutely correct, i remember when i was, well, ten years ago at a presentation that showed this apparatus and talked about how it would work, although we were all sort of economists and somehow had an idea of ​​how the banking system works, and we were told that we would soon be using this machine to pay in the subway and everywhere, then we... it means we were sitting there twisting, well, excuse me, like a monkey twisting its glasses, well, ten years have passed among young people a plastic card is unlikely anymore you will find, they all use this phone and money, without thinking about how it works inside, how the tv works , no one cares about this at all, well, the uncle is sitting there, but the children turn on the remote control, they just know how, there will be a cartoon here, so here this is the usual, just new technologies for non-cash payments that provide additional

control over all operations, right? yes, basically it and yes, of course, additional control, and the emission there of absolutely these digital rubles, it is included in this general emission, that is issue, the central bank, which is also responsible for the release of money into circulation in cash, these non-cash ones, this is some part of non-cash money, that is, technical progress, the general world one, who is now ahead of the rest of the planet with digital national, digital national currencies, but i don’t take it... they are already trying in china, they have already implemented it, it is already being used there , a similar experiment failed somewhere, in my opinion guatemala tried for a long time to introduce these very same ones, but they did not introduce a central bank , she borrowed bitcoins and tried to use these

bitcoins for cryptocurrencies, that is, someone else’s. currency to pay at home, well, there was a failure there, because despite the fact that the economy is generally insignificant, but nevertheless, of course, this created great inconvenience, because the exchange rate was jumping and, well, in general it’s scary how the state, according to - in my opinion, in my understanding, the main, basic monopoly of any state is a monopoly on the production of money, how can a state give up this monopoly does not stick in my head, and not a single state refuses, except for those who have a microscopic one, in my opinion, it’s still govotomalala, if i’m not mistaken, well , considering that for 20 years they didn’t have their own currency at all, but there was a dollar, so that’s it for them it’s the same as a dollar or a bitcoin, it’s already enough, it didn’t matter, but in venezuela they just followed the path of the fact that some people there have a twist in their heads, they think that if they introduce some new instrument, then it will greatly

help the economy, but the miracle did not happen, it happened because the same money the only thing here is to introduce one more concept, that there are so-called stable coins , that is, stable, this is when the currency of the central bank, no, and this is now in two words, it is cbdc and there is nothing to talk about there, they are backed by some specific assets , that is, they don’t just enter this digital one that they had, yes, here, thank you, that yes, yes, yes, they enter, they want to increase confidence, well, they say that it will be exchanged for gold or there was no such thing, no, there in its pure form they took this currency from the side introduced in their country, there at first in the resort area they had such a short, such a short period, but this , by the way, caused dissatisfaction with their entrepreneurs, because the exchange rate was jumping, so we are going to another, and to another, now, in my opinion, in mine, either

bermuda or something else. well, that is, not the top 10 economies in the world are doing this ; the states are working in this direction; the states are working on the digital dollar and digital euro. here they are considering the states are on the way to consider. in my opinion it is more correct, but they are not talking about the digital dollar yet, they are referring to the classical cryptocurrency, well, this is the one that is issued, outside the limit, i am specially issued, i defined the word, yes, but they consider them simply as assets, that is, an asset is not like money , but as an asset, that is, you can buy them, you can mine them, but in the united states it is considered an asset, you can sell it, you can. as it is absolutely necessary for taxes to be paid on this, the main thing is true, that is, if someone gives you some kind of goods for these bitcoins or ethereums will sell it, for god’s sake, the main thing is that taxes are paid on it, and if

you extract it, using electronics, then you still have to pay for electricity, because it consumes a lot, yes, but everywhere, everywhere they look very carefully to ensure that there is, well, excuse me... the chinese wall 's wall chinese wall between those cryptocurrencies that are issued outside the national country, the same state monopoly on printing money, of course, of course, our commercial banks are open to this idea how they treat so you probably communicate with the bank, i communicate, you know, very differently , of course, who because i will explain the idea again, because after all, the money is not in the bank, inside the perimeter of the bank, but the money is: on this the very platform of the bank center, that is, once again, in my opinion, this makes it a full-fledged player in the commercial market, and banks are not afraid of losing some part of the function, respectively, commissions for servicing this

money, well, apparently they will have to lose something, yes, but as we know that scientific and technical progress, as they say, change or die, well, like yes, because you understand, we cannot resist the fact that we do not have cashless. turnover, someone might be interested in pure cash when will it disappear? according to your forecast, now we have already moved from non-cash money to not just non-cash money, but also to a digital ruble, imitated by central banks, when cash dies, and you know, i wouldn’t look at the digital ruble as an additional funeral team, yes funeral team, but so here serious analysts, these conversations have been going on for a long time about the funeral of cash, have advanced to the greatest extent. along this path is iceland, they have more than 90% of non-cash people, well, firstly, there are 300,000 people there, yes, and secondly, of course, the economy is simpler, its structure, here, but it is believed that psychologically, people will always

be like - to rely on cash, especially a piece of gold buried in the garden, well, like yes , although there are also separate ones for gold in this, well, just two words, because we understand that somewhere is good, russia, here in russia, the lifespan is measured by cash, and i think that there will always be, well, at least 10%, always, always, i think, yes, great, then we will reassure our audience that if you want to keep your money in cash, in large, in small, any countries, you can do this, no one is canceling them, especially the central bank will definitely never abolish cash in favor of even digital rubles, well, naturally, because this is psychology, because the whole economy has yet to rebound sideways, is involved on the psychology of psychology... of the consumer, in in this case, if there is this, why is the central bank fighting against, to a certain extent, cash, because firstly, it is still expensive, it must be printed, it must be collected, it requires special

equipment, well, yes, this , that is, collection, but all this, this is the first, second thing that we understand is that cash, it is very well used in shadow circulation, because only the one who takes it into account... the first time, and then how they walk until they come back to the cash desk of the central bank or commercial bank, they are free to move, by the way, digital money doesn’t allow you to do this, that’s why, in fact, many people don’t like them, although on the contrary, it will be easier to fight corruption, although many people, on the contrary, like it, because these are classic, if not central bank, classic money is exactly what many people like, that it is anonymous, that ... to consider that on every ruble there is written , i don’t know, twenty dashes, a 100-digit code that

absolutely identifies it all its way, its entire history since its release, this podcast easy money our topic today is digital assets, digital currencies, digital. in particular, cryptocurrencies, bitcoin, let's talk about cryptocurrencies that are issued by someone behind this very wall, that is, there is no single issuer, there is no single central bank that... lets in, that is, roughly speaking, a certain community or not a community, or some person, yes, we agreed that we are issuing some kind of currency, which we are trying to give the functions of money, yes, accumulate, pay, what else to do, well, pay for goods, yes, it can even be credited, well, that is, all the functions of money, we consider them this money, central banks refer to what suddenly appears on the territory of this state, yes, but the same states,

russia, europe, a certain means of payment, which is not controlled by the central bank in any way, this is negative, of course, but they consider them, they give them the status of not a means of payment, something that cannot be paid, but assets, that is, you in order to buy something within the national economy, you first we have to do this one currency x, exchange for rubles at the appropriate rate for these rubles already buy what you need, well, there are countries, this is a different story, because they have problems with inflation, and the country is ready to encourage any spending, even if it pays in seashells, just spend money, but the japanese don’t spend it, yes, the only thing that needs to be emphasized is that when we, in the age of the digital , global economy, digitalization of this internet and other platforms, talk about the fact that you cannot pay on the territory, let’s say, yes, we have an economic

territory, that is, sitting here, you can go out into the virtual sphere and pay there with this money, while sitting, let’s say in russia , please, there in this virtual sphere you can buy these bitcoins, pay with these bitcoins and even import some specific goods, if someone sold it to you. we are talking about the economic division , but this should not penetrate into internal circulation, when we talk about the fact that this is different nationally... how do you feel about this class of assets? yes, it’s normal, i in general, i treat everything that science throws at us, technically, it doesn’t scare you that you are playing a game, the rules are not set by you, but you don’t even know them completely, well, because here are the course jumps, let’s go here smoothly for a specific example of bitcoin, which everyone calls digital gold, but i really do.

i was very happy about this story, because when i was studying just stories, i think, this is how people lived during the era of tulip fever, and i think, well, how could this happen, this is the whole story unfolded just before my eyes, i read this every day for the sixteenth, seventeenth, eighteenth year, the very dawn , well, remembering the era of this digital gold in quotes, yes, when it was accelerated to 20,000 dollars per bitcoin, then it fell to ten, then it fell there and... for a couple of years it was somewhere around 3,000, then there was this growth from 30 to 60, everyone said that everything is now as they like, they say that the moon, and there on the moon, and 100,000 will be a million, there were people there, which parts were ready there put bodies there on a bet, now it has dropped there, in my opinion, to seventeen, and to 17 to 16, everyone has already predicted 10, now it’s 21:22, these are these hesitations, but you say that an entrepreneur, well, this is a well-known thesis, that any entrepreneur, he doesn’t care what course. if only its movement

was more or less stable, not so volatile, this volatility, is it generally acceptable for digital assets, or is it exclusive, is it separate, is it exclusively, this is an exclusively speculative course, but here we also need to understand, here i already like teacher, which means i stand on the platform that you need financial literacy and reasonable relationships, and if you understand that this is a super-risky... sphere, that nothing is free there, that it’s all for a reason, that you went there right away became rich, as well as on the ordinary stock exchange, so to speak, yes, some people have this in their heads, especially when they see this rapid growth and do not understand that this rapid growth was based on this trend, as if mutually heating up, especially when at that time, in my opinion, elon musk threw some more firewood... that now he would allow bitcoins to be used to pay for their

teslas and so on and so forth, and everyone realized that yes, apparently, it’s finally come, here this is legality, yes, yes, well, here the us government, in the person of the securities commission, very quickly explained to everyone who was boss, and actually did the right thing and did the right thing, yes, that’s natural, after that everything, when this fever like a tulip, which you are absolutely right we remembered, this warm-up happened, of course, it all took off. and when it turned out that this was all an exaggerated story, it all fell to twenty, but in my opinion, why did it fall to twenty, and will be at this level somewhere for quite some time... it is located, because many bought with this money or they extracted this money, well, i would say that in fact the reason here is that the world economy as a whole, in particular the us economy, has entered a stage of, well, not even a recession, but a reduction in monetary