There are forms of two contracts for opening and
maintaining an account in digital rubles. One of the agreements of the Central
Bank, which is the operator of the platform, is concluded with users (natural
persons, legal entities or sole proprietors). The second agreement is concluded
with participants (credit institutions). Also, the agreements now contain
indications of fines.
Now the Central Bank is obliged to credit incoming
digital rubles to the user’s account opened on the platform. Also, the Central
Bank has the right to write off digital rubles from the account and dispose of
the money in accordance with the user’s application. The user, in turn, signs
an agreement on compliance with the rules of the platform and pays remuneration
to the Central Bank. It completely depends on the tariffs set by the platform
and is charged for any operation performed.
In addition to the above requirements, the parties also sign a special agreement between the Central Bank and the credit institution.
The agreement defines the interaction processes for opening and maintaining a digital ruble account, closing such an account, as well as for granting, suspending, renewing and terminating access to the platform.
Credit organizations are obliged to comply with the terms and conditions specified in the agreement – they affect how users will be served. There will now be a right for the Central Bank to fine credit organizations if they violate the rules of the platform.
As stated on the website, fines will start at 50,000 rubles and will increase each time if the next violation occurs within a year of the first violation. The fine is payable within 5 working days.