DIGITAL CURRENCIES OF CENTRAL BANKS: MEMORIES OF THE FUTURE

The emergence of a new type of society in the wake of the information and digital revolution – Society 5.0. – is accompanied by social polarization, contributing to the occurrence and spread of technocratic metaphors with their humanitarian interpretation, generally complicating the formation of new realities and hindering their perception. This began to manifest itself during a period of rapid transformations in monetary circulation, when the cryptocurrency turned into a full-fledged innovative narrative, prompting the authorities to take retaliatory measures to curb the backstage sector of alternative finance. At the same time, there is no holistic, definite and understandable vision of the vector of digital transformation of the payment and settlement space, there is no concretization of the concept, theoretical approaches are not detailed, there is no prototype of the tested solution, no White Paper has been published, a high level of secrecy of piloting results is recorded, etc. Under these conditions, phrases applied to the sphere of money circulation and containing the word «digital» in their formulations most often look like a technocratic metaphor to attract public attention. However, the formal enumeration of breakthrough technologies and the local selective nature of their use as a criterion for digital transformation do not reveal either the essence of the technologies themselves or the «breakthroughs» into society 5.0. The historical perspective of the causal relationship between the cryptocurrency industry and the digital currencies of central banks, as well as an interactive approach to improving the settlement and payment space, taking into account the change in customer-oriented concepts to human-centricity, allow us to identify existing technocratic metaphors regarding the legislative interpretation of the digital ruble and establish the dichotomy of the virtual settlement and payment space (separation into digital and electronic).