%0 Journal Article %T The role of the digital ruble in the development of the national payment system and the reduction of business transaction costs %A Durov, D.V. %K digital ruble, national payment system, transaction costs, business, Bank of Russia, payment infrastructure, universal QR code %J JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT %D 2026 %N 0 %P 5 %I ITBO University