00445naa#a2200157#i#4500001001500000005001700015011001400032100004100046102000700087200005300094210005800147215001100205608002700216700002600243856001800269EN\\bibl\8151720241127000913.3##a2221-3260##a20230930b2023####ek#y0engy0150####ca##aRU1#aDigital Ruble or national CBDC?eJournal article1#aYaroslavlcYaroslavl State Technical Universityd2023##a12 с.##aJournal article2local#1aYakovlevgAleksandr I4#achemintech.ru