RESTART helps banks and companies prepare to work with the digital ruble: assess readiness, design the architecture, protect the integration environment, connect remote banking, ERP, 1C, cash desks, accounting systems and the project office.
The digital ruble is becoming part of the payment infrastructure. For businesses and banks, this is not a separate payment button, but a comprehensive project at the intersection of remote banking, information security, cryptography, ERP, 1C, accounting, cash flow, integrations, testing and regulations.
RESTART is not the operator of the digital ruble platform and does not replace the participating bank. Our area of responsibility is to prepare the infrastructure, processes, documents, integrations and customer teams to work with the digital ruble together with the bank and in accordance with the rules of the platform.
We combine information security, enterprise integration, ERP/1C, development, DevSecOps, Data and RESTART AI Enterprise Platform to make the project manageable from diagnostics to industrial support.
The Bank of Russia describes the digital ruble as a digital form of national currency that complements cash and non-cash money. The model is retail and two-level: the Bank of Russia is the operator of the platform, and user access to the digital ruble account is organized through banks and familiar remote channels.
The phased implementation begins with the largest banks and some merchants from September 1, 2026, then expands in 2027 and 2028.
The project requires secure exchange, electronic signature, certificates, message control, logging and event monitoring.
It is necessary to connect remote banking, core banking, API bus, 1C/ERP, cash registers, e-commerce, POS, accounting and internal control procedures.
Statuses, returns, commissions, transaction registers, reflection in accounting, treasury and management reporting are important for business.
Application and information security architecture, integration with remote banking services, mobile banking, core banking system, CA, secure transport, monitoring and back-office.
Acceptance of payment in digital rubles through the website, application, cash register/POS environment, accounting, returns, reconciliation and support regulations.
B2B payments, treasury, ERP/1C, intragroup settlements, limit control, reporting and integration with corporate data.
Target spending scenarios, smart contracts, execution control, project accounting and integration with regulated systems.
Express audit of the applicability of requirements, the current payment, cash, ERP/1C, remote banking and information security landscape.
Readiness report, requirements matrix, risk map, road map and target integration diagram.Design of secure loop, network zones, cryptography, access, logging, SIEM/SOC and operational regulations.
HLD/LLD information security architecture, threat model, measures matrix, test program and non-conformity resolution plan.Application architecture for banks: remote banking, mobile banking, online banking, core banking system, CRM/BPM, ESB/API bus and back-office.
API contracts, integration specifications, backlog, test scripts and production launch plan.Acceptance of payments in digital rubles, integration with 1C/ERP, treasury, accounting, cash desks, website and application.
Accounting and reconciliation scheme, requirements for improvements, integration formats, regulations and testing scenarios.Laboratory of scenarios for self-executing transactions, targeted spending of funds, regular payments and B2B processes.
Scenario map, process model, MVP prototype, integration architecture and constraint assessment.AI assistant for the project office based on the RESTART AI Enterprise Platform: knowledge base, requirements matrices, risks, instructions and documents.
RAG outline of the project, search by legal regulations and project documents, draft technical specifications, protocols, checklists and executive summaries.The diagram reflects a typical target architecture and is refined after the survey. The specific composition of the components depends on the role of the organization, the current IT landscape, the bank participating in the platform, the requirements of the Bank of Russia and the internal regulations of the customer.
| Subject | What is important for the client | What does RESTART do? |
|---|---|---|
| Implementation timeframe | The largest banks and some merchants are included in the first wave from September 1, 2026; the next waves are planned for 2027 and 2028. | We check the applicability of the requirements, the role of the organization, revenue thresholds, the banking environment and a realistic preparation plan. |
| Accepting payment | For sellers, a digital ruble account, bank remote banking, electronic signature, cash register/POS equipment, website or application are important. | We describe the customer journey, integrations, cash register/e-commerce improvements, transaction accounting, returns and reconciliation. |
| Information protection | For platform participants, a separate regulatory framework of the Bank of Russia applies, including requirements for information protection. | We design protected areas, access rights, logs, cryptographic environment, monitoring, regulations and preparation for assessments. |
| Tariffs | There is a grace period for business operations until the end of 2026; From 2027, platform tariffs apply. | We help to include the tariff model, commissions, B2B/C2B/B2C scenarios and accounting rules in the financial model of the project. |
Role of the organization, applicability of requirements, systems, processes, constraints, team and critical deadlines.
HLD/LLD, integrations, information security zones, accounting, remote banking, API, cash environment, test benches and release plan.
Threat model, access rights, certificates, secure transport, logs, SIEM/SOC, regulations and testing.
RBS, ABS, ERP/1C, cash registers, e-commerce, API bus, back-office, reconciliation, returns and reporting.
Integration scenarios, negative checks, load, safety, operating instructions and acceptance.
Regulations, training, monitoring, support, change management and control of first operations.
A digital ruble project is almost always complex. It affects information security, ERP, development, DevSecOps, data, AI, and sometimes a dedicated team for a project office.
Regulatory information needs to be reviewed regularly because platform rules and documents are updated. For the first release of the page, open materials from the Bank of Russia were used.
Yes, if the company falls under the requirements for accepting digital rubles or wants to prepare a cash register, e-commerce, accounting and ERP environment in advance.
No. Access is provided through the participating bank and platform rules. RESTART prepares IT, information security, accounting and integration infrastructure.
From an express readiness audit: the role of the organization, deadlines, systems, risks, integrations, information security, accounting and roadmap for 3-12 months.
Typically, complexity is at the intersection of information security, cryptography, client journey, remote banking, accounting systems, regulations, testing and support.
Yes. A reasonable format is a separate environment: payment acceptance, accounting and reconciliation, information security architecture or AI/RegTech assistant for the project office.
No. AI RegTech Copilot speeds up the search for requirements, draft documents and control of orders, but does not replace legal, information security and technical expertise.
Describe the task, current systems, constraints, and expected results. We will offer a practical first step: diagnostics, pilot, audit, roadmap or project team.
