00445naa#a2200157#i#450# EN\\bibl\81517 20241127002256.3 2221-3260 20230930b2023####ek#y0engy0150####ca RU Digital Ruble or national CBDC? Journal article Yaroslavl Yaroslavl State Technical University 2023 12 с. Journal article local Yakovlev Aleksandr I chemintech.ru