For citations:

Efimova L.G. Retail two-tier Model of the Digital Ruble (Model D) — the Way to the Appearance of a single-tier Banking System in Russia. Courier of Kutafin Moscow State Law University (MSAL)). 2023;(1):20-31. (In Russ.) https://doi.org/10.17803/2311-5998.2023.101.1.020-031