A new fraud scheme related to the digital ruble has appeared in Russia, according to a Telegram channel that monitors cybercrime activity. The report describes criminals sending messages that appear to come from the Central Bank of Russia and claim that both cash and non-cash rubles are an outdated format that must be replaced with digital currency. The messages urge recipients to act quickly, warning that urgent transfers are needed to save money and avoid losses.
Experts caution that scammers aim to sow panic and confusion. They note that genuine monetary policy does not require citizens to transfer their money to a special account in response to supposed imminent changes in currency formats. The alleged scheme relies on fear of devaluation or obsolescence, pressuring people to move funds under time pressure. The best defense is to treat such messages as suspicious and verify any claims through official channels before taking action.
Authorities emphasize that cash and bank deposits are not slated for devaluation simply because a digital form of money enters circulation. The central bank has repeatedly stated that a digital ruble would coexist with physical cash and traditional electronic transfers, with safeguards in place to protect consumer funds and financial stability. The focus is on enhancing payment efficiency and resilience, not on forcing abrupt transfers or devaluing existing holdings.
Earlier warnings highlighted the risk of scams tied to the digital ruble and social engineering. Fraudsters often exploit public interest in new payment technologies to trick people into sharing personal data or authorizing unauthorized transfers. In many cases, the deception hinges on urgency, legitimacy cues, or the appearance of official branding. Citizens are advised to pause, verify directly with official bank or central bank statements, and avoid clicking unfamiliar links or replying to unsolicited messages.
According to observers, the digital platform could be especially appealing to individuals facing sanctions or restrictions in cross-border payments. Proponents argue that a digital ruble could facilitate international trade by enabling faster, cheaper cross-border settlements. Critics, however, warn of new risks, including potential anonymity concerns, regulatory gaps, and the possibility of exploiting technological channels for illicit finance. Each claim should be weighed against official policy documents and expert analyses rather than sensational headlines.
In parliamentary discussions, questions have been raised about when Russians might increasingly use a digital ruble. Debates focus on governance, privacy protections, interoperability with existing banking systems, and the security measures designed to prevent fraud. Lawmakers emphasize a gradual, transparent implementation with clear consumer protections, rather than rapid, unilateral changes that could unsettle financial markets. The public is encouraged to follow official briefings for accurate timelines and policy details.