Including them. Many of them are also planning

launch CBDC on their side. But, in my opinion, they will ne mor a lead genaration small business e time, because we are already in the process, and many are just thinking about how to do it.

 Can next year be call the year of the digital

ruble in Russia, or can this year already be consider as such?

— Definitely not this year. The next year will be very important for us. We have to learn some lessons in a good way. Testing on real operations will give us an opportunity to understand what nes to be tweak and improv, what nes to be improv, what nes to be chang. Will it be the year of the digital ruble? We’ll see, I won’t make any prictions.

China has been testing the digital yuan for three years with real transactions and real customers.

 Maybe they don’t have such a ne

— If the country has well-develop non-cash transactions, like ours — and in our  set the interval of contact attempts case it is 75.5% and 80% is not far off — then, in principle, we have other tools. But to say that we are introducing a tool from such and such ao lists a date, everyone, both industries and the state, must be ready. This requires a long testing period. And at the end of next year, we want to develop a roadmap for the introduction of the digital ruble.

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