THE KEY GUIDANCE FOR RISK ASSESSMENT BY BANKS INVESTING IN DIGITAL FINANCIAL ASSETS

The main target of Central Bank of Russia’s regulation of commercial banks is to ensure their financial stability, which requires banks conducting risk assessments before making credit and investment decisions. Among such risk bearing assets are digital financial assets. First defaults on digital financial assets were reported on Russian financial market during 2nd quarter of 2025. In order to make relevant and riskbased decisions on investing in digital financial assets, a comprehensive risk assessment is required. The main directions to such assessment are proposed in this article.