00495naa#a2200169#i#450# EN\\bibl\81517 /en/manage/index 20250811101048.1 2221-3260 20230930b2023####ek#y0engy0150####ca RU Digital Ruble or national CBDC? Journal article Yaroslavl Yaroslavl State Technical University 2023 12 с. Journal article local Yakovlev Aleksandr I test.editorum.ru /en/manage/index