E-hryvnia: essential analysis

Анотація

The sequence of formation of the e-hryvnia’s use concept in Ukraine, its content, features and stages have been analyzed. The current state of research on the theoretical basis of the electronic money use in Ukraine, presented in special and scientific literature, has been analyzed, the results of which indicate that attention is paid to these issues and problems. At the same time, with regard to the essential content of the “e-hryvnia” category, its functional purpose and areas of practical use, it is appropriate to note that today such issues are described quite briefly in the recommendations of practitioners, which, in turn, emphasizes the importance of creating appropriate scientific and legislative basis for use in the practical activity of economic entities. The essence of the “e-hryvnia” category, its functional purpose and scope of application have been determined. The options for using of the e-hryvnia proposed by the National Bank of Ukraine have been generalized. The conceptual apparatus for the category “decentralized digital assets” was analyzed and their differences from state ones were established. The main characteristics of bitcoin and e-hryvnia are given. Some projects based on the use of tools of digital currencies of the central banks of the countries are analyzed. The advantages of using digital currencies of central banks of countries are summarized. The results of the conducted research made it possible to determine their scientific value and novelty, namely: the main directions of further scientific and methodological studies were determined, which include specific components of the general concept of the use of e-hryvnia (scientifically based identification of users of digital currency; formation of approaches to setting limits for calculations digital currency; forming a scientific and practical basis for financial monitoring during the use of digital currency; improving approaches to bank secrecy; determining the role of commercial banks, payment systems and other financial service providers in the digital currency system).

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