taxama may pile up the history. our employee, egor siluyanov, met with the relatives of the famous artist vyacheslav zabelin, known under the pseudonym vic, widow olga anatolyevna, and daughter, alexandra. and it was there in st. petersburg that the idea arose, what if this exhibition. mastatstva for agulnaga development and enrichment of your life. natalya bardilovskaya, illya maxima, agency. that's it. new on our website tvr.by.

welcome evening. each program has new heroes. what we all have in common is that we are learning. at the belarusian state medical university. we all dream of becoming doctors. bko is a belarusian committee of youth organizations. we unite 35 youth public associations of our country. unpredictable questions. where does andrey makayonok recommend putting the pill in his comedy? sublingual, sublingual, just like that, and unexpected answers to them, build a tower, already three elements, three elements, unfortunately, for each wrong answer one element, you can throw something at him again, yes, in in general, let it be lor, and this is the wrong answer, let it be lor, this is an absolutely wrong answer, watch the intellectual show tower on the belarus 24 tv channel, hello, everything

is clear with you about the project with marina karoman, let's talk about complex things in simple language. today we’re talking about how much money costs, what’s the difference between the electronic and digital ruble, and will we all be put in a digital concentration camp? go. our national bank has published a draft concept for the digital belarusian ruble. the information space was immediately filled with valuable opinions, some are for, some are against , some are afraid that a digital concentration camp will cover us , some do not understand what we are talking about at all, because they do not see the difference between the digital ruble and the current money on the card. the national bank is calmly doing its job, people are discussing, and some resources are churning out materials in the style: you don’t understand how this works? now we will explain it to you so that, god forbid, you will not calm down, but we will explain it honestly, so that everyone can decide for themselves how to react. let's start with

the basics, to put it very simply, money - this is information about how much the country has provided itself with food and the benefits of civilization and what part of these benefits the citizen in whose hands the money is entitled to is entitled to. there were times when people exchanged natural products, a miller came to the market and exchanged grain for a cow, for example, potter using the same scheme, he received the things he needed for his pots. a blacksmith for sickles and scythes, and so on. and here there was a problem, when gonchur needed grain, and the miller needed fish, the gonchar was forced to look for a fisherman, exchange his pots for a barrel pike and take this barrel to the miller to get grain. this was inconvenient, and people came to store their goods in barns, and during purchase and sale transactions, write receipts to their partners for receiving their products, that is, a potter came to the miller for flour, the miller did not need the potter's pots.

but before that, the potter was with the fisherman, the fisherman took the pots from the potter and gave him a letter , where it is written that whoever presents this letter at the fisherman’s warehouse will receive a barrel of pike for it, in return for such a letter, the miller gives it to gonchur flour because he needs fish. over time, there were so many purchase and sale transactions that people were forced to store their receipts in small warehouses ; banks became these warehouses, and the state took control over them; it also began to organize production and keep track of most of the goods in the country’s circulation, therefore, the first thing you need to realize is that paper money in itself is not valuable, each bill is just a receipt from the state that we have grain, fish and other goods in the barns. if the state decided to write about this on wall, you could tear out a piece of the wall and pay in stores with it. it doesn’t matter at all whether it is written on paper, wood or concrete how much you can get an item for a specific receipt. and services, if

the state recognized the carrier of this data as money, it is money. now about the funds on our cards. in fact, these are electronic records of who owes whom, how much. the employer deposited your salary into a bank account, the bank wrote on your account how much he now owes you, you see this as a card balance, you paid for the purchase with a card, the bank transferred money to the store, the amount of the bank's debt to you has decreased, as has the card balance, it's convenient for everyone, you don't need to carry large wallets, service atms, you can unload cash registers and retail staff. so, while we have two formats of money in our country, paper and electronic, the third will be digital. the digital ruble is the same ruble that we pay in stores now, just adapted for trading in the digital world, they will be issued by our national bank, and they will be passed through all operations from this form of money, for this there will be a separate electronic platform under

reliable security, in order to use digital rubles, people will create electronic wallets and enter them through the internet banking application in their gadgets, without... which bank will be a client user. all transactions with its digital rubles will take place on the national bank platform, and the money will fly directly from payers to the recipient. now banks pass them through their correspondent accounts and charge a commission for this. it is assumed that any part of your savings can be converted into digital rubles. to make paper money digital, you will need to deposit it through an atm or cash register at the bank. to a card, that is, make them electronic, and then exchange them for digital ones and vice versa, in order to receive digital rubles in paper form, you will need to convert them into electronic ones, that is , transfer your card account from a digital wallet to the application, and then withdraw cash at an atm, i saw questions online about what

the exchange rate for the digital ruble would be, one to one, both digital and electronic and paper money are the same currency, the belarusian ruble. digital rubles will differ from money on cards in that each of them will be stitched with a unique electronic code, just like banknotes are marked with numbers, but in a digital ruble there is no physical bill, there is only its code, this is an innovation if the money on the card is bank records about who owes whom how much in the physical world, then digital money is a new form of those same receipts about the existence of food supplies, goods, which merchants once exchanged, and then turn them into... or into paper money, these receipts will simply be encrypted into codes. but the main difference between digital rubles and electronic ones is that they will always be in a virtual wallet, on the platform and under the control of the national bank, even if some transactions with them are carried out through commercial banks, they will remain only

intermediaries in this process. digital money differs from crypto currency in that crypto is mined, that is , mined using power grids, while digital money creates the central... bank of the state. cryptocurrency is not physically backed by anything specific. the price of one coin depends on what cryptocurrency holders from different countries agree on today. the value of the electronic ruble is secured by goods produced by the economy of a particular country. this was confirmed by its national bank. and from here comes another difference: there is no single responsible body for cryptocurrencies, so today it can cost tens of thousands of dollars per unit, and tomorrow it can drop to zero and no one will be responsible for it. behind paper. the state is worth the electronic and digital ruble. the new format of money will help ordinary belarusians save on banking services. commission rates for all transactions with this form of national currency will be set according to uniform rules. money transfers will take place directly from the payer

to the recipient, which means banks will not be able to charge a commission for transferring digital rubles from the account. in order to accustom belarusians to digital rubles, they will most likely introduce some kind of bonus programs for rich cashback, and it's always nice. the national bank reported that they will create a system that will allow offline payments in digital currency with electronic money on cards; this is impossible. digital rubles will be more reliably protected from crashes and will not be burned due to bankruptcy, as happens with the savings of commercial bank clients. for businesses, digital money is a way to avoid losses on exchange rates in trade with foreign partners and make international payments faster and safer. this. will work if the state, with which the businessman trades also has a digital currency. now it is being implemented by russia, kazakhstan, china, sweden, canada, the entire euro zone, and the bohamian islands and nigeria are already using it. note that europe is only moving toward technologies that have been working in africa for 2 years, but that’s

a different story. the emergence of a digital national currency will reduce dependence on foreign currencies in international trade. convert rubles into the money of the country from which they are issued. transactions will be easier, but i, for example, really like that government agencies will be able see where taxpayers' money goes, you remember that a digital ruble is a code, it can be tracked in the system, see the entire history of use, which means, unlike money on cards, digital money cannot be spent unnoticed for any other purpose. for example, the district was allocated funds from the budget for road construction or targeted assistance to large families. if someone dares to spend this money on building materials for their dacha or a new car, it will be immediately visible in the electronic system, and researchers won’t even have to nothing to prove, digital money codes will lead them to the place of an unplanned purchase at a budget expense. at first glance, such... transparency is needed by the state, but in fact it is beneficial to ordinary citizens. the new currency

will not allow us to sponsor corruption schemes with our tax contributions. in addition, in the digital money code itself it will be possible to specify what it can be spent on, and this is very convenient for allocating funds for narrowly targeted payments, such as family capital. the state will see which items of expenditure are in less demand and which more, will be able to tune the work of the economy like a musical instrument. where there is not enough, add, and for areas where the demand for funds turns out to be lower than predicted, cut the budget. there is a lot of talk online about how the digital ruble will replace paper and electronic money, we will be forced to pay with a new form of national currency, its movement will be controlled, and we will all end up in a digital concentration camp. it is not true. paper money will remain a means of payment along with digital and electronic ones. just like us left the rights. pay for utilities at post office bank branches, although it has long been possible to do this via the internet.

digital money will become an additional tool for paying for goods and services, it’s just that this tool is tailored to modern technologies, threats and processes in the global economy, which means it is relevant for those who revolve in this financial whirlpool; those who do not want to plunge into it will be left the right to spend the way they are used to. digital money removes a lot of international restrictions. trade, cancel sanctions levers of pressure, such as disconnecting unwanted countries from swift, leave in the past spending on financial infrastructure, an army of bankers, tons of obsolete legislative equipment, which in the new digital world slow down the development of the economy. in addition, the digital money of states will push cryptocurrencies into the global financial market, which, due to the lack of control of any structure, carry huge risks for the entire planet. when it comes to money, lack of control is chaos, in it... of all stripes, from scammers to sponsors biological terrorism. a new era has arrived

in which seconds are allotted to make action decisions. on the scale of international trade, there is simply no time for multi-stage money transfers, dealing with scammers, sanctions and commissions. this is still as irrelevant as going to a phone store to buy a new phone, with a head of wheat or a barrel of pike instead of a wallet. in order for belarus to keep up with other countries in this new world, it needs to become... more comfortable in the virtual space, and digital money is one of the ways to do this. do. don’t get angry when an additional unfamiliar cutlery is brought to your plate at the table; we are at home, here no one forces us to use a new fork for each dish, but they give us the opportunity to take it. for ordinary citizens, digital money is just another convenient device for eating at a common state table, and no one will stop anyone from using their favorite spoon. but you still shouldn’t reject everything new, maybe you’ll like it, i’m marina karaman and what to expect from the digital belarusian ruble,

we figured it out, everything is clear, see you soon, we have a small book in our hands, grabbed one old one after another, sipping on the skin words, from all of us the most creative people, the most valuable and useful of all, this book. the books contain the thoughtful thoughts of the people, the reports and expressive chatter of people. everything that the chalavets have created,

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