{"id":2181931,"date":"2026-10-06T14:45:02","date_gmt":"2026-10-06T11:45:02","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=2181931"},"modified":"2026-10-06T14:45:02","modified_gmt":"2026-10-06T11:45:02","slug":"rusia-isi-construieste-propria-alternativa-la-sistemul-financiar-occidental-rubla-digitala-depaseste-de","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=2181931","title":{"rendered":"Rusia \u00ee\u0219i construie\u0219te propria alternativ\u0103 la sistemul financiar occidental. Rubla digital\u0103 dep\u0103\u0219e\u0219te de&#8230;"},"content":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/cdn.adh.reperio.news\/image-6\/68c2747f-4176-46f3-ace4-82733f4fc12d\/index.jpeg?p=f%3Djpeg%26w%3D1200%26h%3D630%26r%3Dcover&#8221;]<\/p>\n<article class=\"svelte-x63bga\">\n<nav>\n<ul class=\"breadcrump svelte-1pk9a69\">\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/\" title=\"Adev\u0103rul\" class=\"svelte-1pk9a69\">Home<\/a><\/li>\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/economie\" class=\"svelte-1pk9a69\">Economie<\/a><\/li>\n<li class=\"svelte-1pk9a69\"><a href=\"https:\/\/adevarul.ro\/economie\/rusia-isi-construieste-propria-alternativa-la-2562224.html\" class=\"svelte-1pk9a69\">Rusia \u00ee\u0219i construie\u0219te propria alternativ\u0103 la sistemul financiar occidental. Rubla digital\u0103 dep\u0103\u0219e\u0219te de trei ori estim\u0103rile \u00een prima lun\u0103<\/a><\/li>\n<\/ul>\n<\/nav>\n<p><main class=\"svelte-x63bga\"><\/p>\n<p>Rusia accelereaz\u0103 adoptarea rublei digitale \u00eentr-un moment \u00een care sanc\u021biunile occidentale au f\u0103cut mai complicate tranzac\u021biile cu principalii s\u0103i parteneri comerciali. Peste 220.000 de conturi digitale \u00een ruble au fost deschise \u00een prima lun\u0103 de la lansarea oficial\u0103 a monedei, de peste trei ori mai multe dec\u00e2t estim\u0103rile ini\u021biale ale B\u0103ncii Centrale a Rusiei.<\/p>\n<div class=\"container-image  svelte-1xbw4f3\"><source type=\"image\/webp\" srcset=\"https:\/\/cdn.adh.reperio.news\/image-6\/68c2747f-4176-46f3-ace4-82733f4fc12d\/index.jpeg?p=a%3D1%26co%3D1.05%26w%3D1400%26h%3D750%26r%3Dcontain%26f%3Dwebp 1400w\" media=\"(min-width: 1400px)\" \/><\/p>\n<div class=\"caption svelte-1xbw4f3\"><span class=\"captionText svelte-1xbw4f3\">Peste 220.000 de conturi digitale \u00een ruble au fost deschise \u00eentr-o lun\u0103 <span class=\"source svelte-1xbw4f3\">Foto: arhiv\u0103<\/span><\/span><\/div>\n<\/div>\n<p>Rubla digital\u0103 a fost lansat\u0103 la 1 septembrie. B<a href=\"https:\/\/adevarul.ro\/economie\/rusia-se-pregateste-sa-lanseze-rubla-digitala-in-2285287.html\" target=\"_blank\">anca central\u0103 rus\u0103 estima c\u0103 \u00een prima lun\u0103 vor fi deschise aproximativ 60.000 de conturi<\/a>. P\u00e2n\u0103 la sf\u00e2r\u0219itul lunii septembrie, num\u0103rul acestora dep\u0103\u0219ise \u00eens\u0103 220.000.<\/p>\n<p>\u201e<i>Ne a\u0219teptam la aproximativ 60.000 de conturi. Totu\u0219i, p\u00e2n\u0103 la sf\u00e2r\u0219itul lunii septembrie, \u00een prima lun\u0103, aveam peste 220.000 de conturi. Cu alte cuvinte, suntem deschi\u0219i c\u0103tre lume<\/i>\u201d, a declarat Zulfiya Kakhrumanova, viceguvernatorul B\u0103ncii Centrale a Rusiei, potrivit <a href=\"https:\/\/www.reuters.com\/business\/finance\/russians-open-220000-digital-rouble-accounts-first-month-after-launch-central-2026-10-06\/\" target=\"_blank\" rel=\"nofollow\">Reuters<\/a>.<\/p>\n<h2>Rubla digital\u0103, o alternativ\u0103 la infrastructura financiar\u0103 occidental\u0103<\/h2>\n<p>Rusia a accelerat dezvoltarea monedei digitale dup\u0103 ce sanc\u021biunile impuse \u00een urma r\u0103zboiului din Ucraina au limitat accesul \u021b\u0103rii la anumite segmente ale sistemului financiar interna\u021bional \u0219i au complicat pl\u0103\u021bile cu parteneri importan\u021bi precum China \u0219i India.<\/p>\n<p>O infrastructur\u0103 de pl\u0103\u021bi bazat\u0103 pe monede digitale ale b\u0103ncilor centrale ar putea permite Rusiei s\u0103 efectueze anumite tranzac\u021bii f\u0103r\u0103 s\u0103 depind\u0103 \u00een aceea\u0219i m\u0103sur\u0103 de intermediarii \u0219i infrastructura financiar\u0103 occidental\u0103.<\/p>\n<p>Moscova \u00eencearc\u0103, \u00een acela\u0219i timp, s\u0103 lege proiectul de ini\u021biativele BRICS privind integrarea monedelor digitale na\u021bionale. Rusia, China, India \u0219i celelalte state membre ale grupului caut\u0103 solu\u021bii pentru facilitarea pl\u0103\u021bilor dintre \u021b\u0103rile participante.<\/p>\n<p>Dac\u0103 astfel de sisteme vor ajunge s\u0103 fie utilizate pe scar\u0103 larg\u0103, ele ar putea schimba modul \u00een care sunt realizate anumite tranzac\u021bii comerciale \u00eentre statele BRICS.<\/p>\n<h2>Adoptarea a \u00eenceput, dar infrastructura trebuie construit\u0103<\/h2>\n<p>Peste 220.000 de conturi deschise \u00eentr-o singur\u0103 lun\u0103 reprezint\u0103 un \u00eenceput peste a\u0219tept\u0103rile autorit\u0103\u021bilor. \u0218i companiile par s\u0103 se preg\u0103teasc\u0103 pentru utilizarea noii monede. VTB, a doua cea mai mare banc\u0103 din Rusia, a anun\u021bat c\u0103 peste 1.500 de clien\u021bi corporativi sunt preg\u0103ti\u021bi s\u0103 deschid\u0103 conturi digitale \u00een ruble.<\/p>\n<p>Pentru ca moneda s\u0103 aib\u0103 \u00eens\u0103 un rol important \u00een economie, Rusia trebuie s\u0103 dezvolte infrastructura necesar\u0103 utiliz\u0103rii sale la scar\u0103 larg\u0103. Acest lucru este valabil at\u00e2t pentru pl\u0103\u021bile interne, c\u00e2t \u0219i pentru eventualele tranzac\u021bii cu partenerii comerciali externi.<\/p>\n<p>Rubla digital\u0103 ar putea oferi \u0219i un control mai mare autorit\u0103\u021bilor asupra anumitor fluxuri de bani. Sus\u021bin\u0103torii proiectului spun c\u0103 aceasta ar putea \u00eengreuna evaziunea fiscal\u0103, ar putea permite verificarea modului \u00een care sunt cheltuite anumite beneficii sociale \u0219i ar putea cre\u0219te transparen\u021ba achizi\u021biilor publice.<\/p>\n<p><a class=\"related-inline svelte-78g0vl\" data-gtrack=\"{&quot;event&quot;:&quot;utm_click&quot;,&quot;data&quot;:{&quot;event_category&quot;:&quot;article_related&quot;}}\" href=\"https:\/\/adevarul.ro\/economie\/bloomberg-rusia-ar-putea-avea-incasari-record-2159934.html\" title=\"Alt articol de interes pentru tine\"><span class=\"inline-title svelte-78g0vl\">Bloomberg: Rusia ar putea avea \u00eencas\u0103ri record dac\u0103 petrolul \u015fi gazul continu\u0103 s\u0103 fie exportat<\/span><\/a><\/p>\n<h2>Ce este diferit fa\u021b\u0103 de banii din contul bancar<\/h2>\n<p>Rubla digital\u0103 nu este acela\u0219i lucru cu banii pe care ru\u0219ii \u00eei folosesc deja prin aplica\u021biile bancare. \u00cen cazul pl\u0103\u021bilor obi\u0219nuite, banii sunt gestiona\u021bi prin sistemul bancar comercial. Rubla digital\u0103 este emis\u0103 direct de banca central\u0103 \u0219i reprezint\u0103 o crean\u021b\u0103 asupra acesteia.<\/p>\n<p>Moneda este diferit\u0103 \u0219i de criptomonede, care nu sunt emise de o banc\u0103 central\u0103.<\/p>\n<p>Pentru popula\u021bie, diferen\u021ba dintre rubla digital\u0103 \u0219i plata electronic\u0103 obi\u0219nuit\u0103 nu este \u00eens\u0103 at\u00e2t de u\u0219or de \u00een\u021beles. Vladimir Putin a cerut recent autorit\u0103\u021bilor financiare s\u0103 explice mai clar aceste diferen\u021be.<\/p>\n<h2>B\u0103ncile comerciale nu sunt convinse de necesitatea proiectului<\/h2>\n<p>Extinderea rublei digitale \u00eent\u00e2mpin\u0103 \u0219i opozi\u021bie din partea unor b\u0103nci comerciale. Acestea au investit masiv \u00een propriile servicii digitale \u0219i sus\u021bin c\u0103 Rusia dispune deja de un sistem de pl\u0103\u021bi electronice bine dezvoltat.<\/p>\n<p>German Gref, directorul general al Sberbank, a criticat proiectul, argument\u00e2nd c\u0103 b\u0103ncile ofer\u0103 deja servicii de plat\u0103 digital\u0103 la nivel na\u021bional.<\/p>\n<p>Reticen\u021ba exist\u0103 \u0219i \u00een r\u00e2ndul popula\u021biei. Sondajele de opinie arat\u0103 c\u0103 majoritatea ru\u0219ilor se opun \u00een continuare pl\u0103\u021bii salariilor \u00een ruble digitale. Cu toate acestea, Ministerul Finan\u021belor \u0219i banca central\u0103 au \u00eenceput s\u0103 pl\u0103teasc\u0103, voluntar, salariile unor angaja\u021bi \u00een aceast\u0103 moned\u0103.<\/p>\n<h2>Rusia \u00eencearc\u0103 s\u0103-\u0219i construiasc\u0103 propriul sistem de pl\u0103\u021bi<\/h2>\n<p>Dincolo de utilizarea intern\u0103, miza proiectului este legat\u0103 de pozi\u021bia Rusiei \u00een sistemul financiar interna\u021bional. Sanc\u021biunile occidentale au f\u0103cut mai dificile anumite tranzac\u021bii, iar Moscova caut\u0103 solu\u021bii care s\u0103 \u00eei permit\u0103 s\u0103 continue comer\u021bul cu principalii s\u0103i parteneri.<\/p>\n<p>Deocamdat\u0103, rubla digital\u0103 este \u00eentr-o etap\u0103 de extindere \u0219i testare. Num\u0103rul mare de conturi deschise \u00een prima lun\u0103 arat\u0103 c\u0103 exist\u0103 un interes mai mare dec\u00e2t anticipau autorit\u0103\u021bile, \u00eens\u0103 succesul proiectului va depinde \u00een mare m\u0103sur\u0103 de c\u00e2t de u\u0219or va putea fi folosit\u0103 moneda \u00een economia real\u0103 \u0219i, mai ales, \u00een rela\u021biile comerciale externe.<\/p>\n<p>Dac\u0103 Rusia va reu\u0219i s\u0103 conecteze sistemul s\u0103u cu infrastructurile digitale ale altor state BRICS, rubla digital\u0103 ar putea deveni mai mult dec\u00e2t o nou\u0103 form\u0103 de plat\u0103 pentru consumatorii ru\u0219i. Ar putea fi una dintre componentele prin care Moscova \u00eencearc\u0103 s\u0103 reduc\u0103 <a href=\"https:\/\/adevarul.ro\/economie\/rusia-vrea-sa-testeze-rubla-digitala-cu-2283432.html\" target=\"_blank\">efectele izol\u0103rii financiare provocate de sanc\u021biunile occidentale<\/a>.<\/p>\n<p><\/main><\/p>\n<footer class=\"svelte-x63bga\">\n<div class=\"related-wrap related-footer svelte-78g0vl\"><span class=\"related-label svelte-78g0vl\">Cite\u0219te \u0219i<\/span><a class=\"related svelte-78g0vl\" data-gtrack=\"{&quot;event&quot;:&quot;utm_click&quot;,&quot;data&quot;:{&quot;event_category&quot;:&quot;article_related&quot;}}\" href=\"https:\/\/adevarul.ro\/economie\/rusia-vrea-sa-testeze-rubla-digitala-cu-2283432.html\" title=\"Alt articol de interes pentru tine\"><img decoding=\"async\" class=\"thumb svelte-78g0vl\" src=\"https:\/\/cdn.adh.reperio.news\/image-0\/065ee71f-9d37-452b-bc04-a90f643d7bd1\/index.jpeg?p=f%3Dwebp%26w%3D120%26h%3D80%26r%3Dcover%26a%3D0\" alt loading=\"lazy\" width=\"80\" height=\"54\"><span class=\"title svelte-78g0vl\">Rusia vrea s\u0103 testeze rubla digital\u0103 cu consumatorii<\/span><\/a><a class=\"related svelte-78g0vl\" data-gtrack=\"{&quot;event&quot;:&quot;utm_click&quot;,&quot;data&quot;:{&quot;event_category&quot;:&quot;article_related&quot;}}\" href=\"https:\/\/adevarul.ro\/economie\/rusia-se-pregateste-sa-lanseze-rubla-digitala-in-2285287.html\" title=\"Alt articol de interes pentru tine\"><img decoding=\"async\" class=\"thumb svelte-78g0vl\" src=\"https:\/\/cdn.adh.reperio.news\/image-0\/065ee71f-9d37-452b-bc04-a90f643d7bd1\/index.jpeg?p=f%3Dwebp%26w%3D120%26h%3D80%26r%3Dcover%26a%3D0\" alt loading=\"lazy\" width=\"80\" height=\"54\"><span class=\"title svelte-78g0vl\">Rusia se preg\u0103te\u0219te s\u0103 lanseze rubla digital\u0103 \u00een timp ce r\u0103zboiul \u00eei stoarce economia<\/span><\/a><\/div>\n<div class=\"meta svelte-x63bga\">\n<div class=\"authors svelte-x63bga\"><span class=\"names svelte-x63bga\"><a href=\"https:\/\/adevarul.ro\/author\/1662\" rel=\"author\" class=\"svelte-x63bga\">Afrodita Cicovschi<\/a><\/span><\/p>\n<div class=\"_hydratable\" data-props=\"%7B%22showLive%22%3Atrue%7D\" data-context=\"%7B%22parentBlockColumnCount%22%3A%7B%22value%22%3A0%2C%22type%22%3A%22store%2Freadable%22%7D%2C%22parentBlockBackgroundColor%22%3A%7B%22type%22%3A%22store%2Freadable%22%7D%7D\" data-component=\"ShareButton\">\n<div class=\"shareButtons svelte-itwbrr\">\n<div class=\"liveSessions metaFont svelte-1maxmbf\"><span class=\"value svelte-1maxmbf\">1<\/span> live <\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tags svelte-1l3vwp1\"><span class=\"tags-label metaFont svelte-1l3vwp1\">Cite\u0219te mai multe despre<\/span><\/p>\n<div class=\"tags-list svelte-1l3vwp1\"><a href=\"https:\/\/adevarul.ro\/tag\/rusia\" title=\"Ultimele \u0219tiri despre rusia\" class=\"tag-pill svelte-1l3vwp1\">rusia<\/a><a href=\"https:\/\/adevarul.ro\/tag\/brics\" title=\"Ultimele \u0219tiri despre brics\" class=\"tag-pill svelte-1l3vwp1\">brics<\/a><a href=\"https:\/\/adevarul.ro\/tag\/banca%20centrala%20a%20rusiei\" title=\"Ultimele \u0219tiri despre banca centrala a rusiei\" class=\"tag-pill svelte-1l3vwp1\">banca centrala a rusiei<\/a><a href=\"https:\/\/adevarul.ro\/tag\/vtb\" title=\"Ultimele \u0219tiri despre vtb\" class=\"tag-pill svelte-1l3vwp1\">vtb<\/a><\/div>\n<\/div>\n<\/div>\n<p><a class=\"moreFromCategory svelte-x63bga\" href=\"https:\/\/adevarul.ro\/economie\" title=\"Economie\">Mai multe din <strong class=\"svelte-x63bga\">Economie<\/strong> \u203a<\/a><\/footer>\n<\/article>\n<p>[analyse_source url=&#8221;https:\/\/adevarul.ro\/economie\/rusia-isi-construieste-propria-alternativa-la-2562224.html&#8221;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[analyse_image type=&#8221;featured&#8221; src=&#8221;https:\/\/cdn.adh.reperio.news\/image-6\/68c2747f-4176-46f3-ace4-82733f4fc12d\/index.jpeg?p=f%3Djpeg%26w%3D1200%26h%3D630%26r%3Dcover&#8221;] Home Economie Rusia \u00ee\u0219i construie\u0219te propria alternativ\u0103 la sistemul financiar occidental. Rubla digital\u0103 dep\u0103\u0219e\u0219te de trei ori estim\u0103rile \u00een prima lun\u0103 Rusia accelereaz\u0103 adoptarea rublei digitale \u00eentr-un moment \u00een care sanc\u021biunile occidentale au f\u0103cut mai complicate tranzac\u021biile cu principalii s\u0103i parteneri comerciali. Peste 220.000 de conturi digitale \u00een ruble au fost deschise [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[19,226],"class_list":["post-2181931","post","type-post","status-publish","format-standard","hentry","category-romania","tag-adevarul","tag-crawlmanager"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2181931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2181931"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/2181931\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2181931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2181931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2181931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}