VTB survey: 35% of digital ruble account holders never used them

• —Transfers account for 28% of operations, utility and tax payments 24%, online purchases 23%
• —42% opened a wallet out of curiosity, 36% for in-app account opening
• —54% would use it more with cashback or discounts, 42% with more accepting merchants
• —The Bank of Russia expected 60,000 accounts by year-end; over 220,000 were opened, 3.7x more