The prospects for digital currencies using in the context of modern economic transformations

The paper formulates the concept of “digital currency†, presents types of digital currencies, their classification. It considers the circumstances of the growing popularity of virtual types of mutual payments, which led to the transition from the system of traditional remote banking services to digital forms. A comparative description of existing types of digital currencies is given, such as centralized and decentralized digital currencies, virtual money and stablecoins. The article highlights main features, advantages and disadvantages of each of them. The author established that business representatives in Russia are interested in payment technologies using digital currencies. Active transformations during the period of digitalization in various fields of activities in Russia contributed to the adoption of legislative acts and the issuance of national digital currency – the digital ruble. In the future, it is expected that the services provided by virtual payment systems will be improved, more secure, transparent, reliable and accessible to users.