The Bank of Russia warns about new schemes of scammers with digital ruble and virtual cards

Krympress reports:

Attackers began to mask the schemes of deception for investment programs with a digital ruble, although there are no such programs, and the currency is tested in pilot mode, they told TASS In the department in the Rostov region of the Southern GU Bank of Russia.

Attackers began to send through social networks and messengers the proposal of passive earnings using a digital ruble. Fraudsters create sites in branded colors and with the logo of the third form of national currency. Such online resources of scammers call the investment program of the Bank of Russia digital ruble. A person is campaigned as soon as possible to join the allegedly existing program, while the “low -end threshold”, because then the starting amount will be significantly increased— the bank said.

The regulator notes that attackers mask their schemes for investment programs with a digital ruble. At the same time, such programs do not exist, and the digital ruble is still in the pilot mode.

Fraudsters actively use the theme of a digital ruble, because this is a new and so far weakly understandable for most citizens, the State Duma deputy, a member of the Inform Policy Committee, the federal coordinator of the Digital Russia party project Anton Nemkin notes.

The combination of novelty and authority makes the theme of the digital ruble the perfect “bait” for deception. People do not fully understand how the digital ruble works, but they heard about its launch, which creates favorable ground for manipulations— said the deputy.

Nemkin emphasized that the Bank of Russia does not implement any investment programs with a digital ruble.

The digital ruble is at the stage of the pilot project, and its main purpose is the creation of a new form of calculated operations, and not an investment tool. If in the future the Central Bank will develop such products, information about this will be presented publicly, through official sources, with clockwork, procedures and a list of authorized organizations— he said.

Nemkin recalled that the massive implementation of the digital ruble is scheduled for 2026: “The implementation will be phased and will continue until 2028. It is impossible to talk about any investment programs before the full integration of the digital ruble into the country’s financial system, ”he emphasized.

The scheme of deception with virtual cards was also widespread, the Bank of Russia noted. Attackers are introduced by bank employees and report an attempt to steal the means. They convince to establish a harmful application that creates a digital duplicate of the victim card.

Fraudsters ask the victim to launch the installed application, bring their card to a mobile phone and introduce a confirming SMS code from the bank supposedly for authorization in the regulator appendix and saving money on the account— specified in the regulator.

Subsequently, this software allows you to withdraw money using a smartphone through ATMs with a NFC optimum.

As Nemkin emphasized, the main tool for protection against such schemes is critical thinking.

Fraudsters are increasingly acting not through gross power, but through psychological pressure — they create a feeling of urgency, threat, and officiality. Often it works precisely because a person does not have time to comprehend what is happening. It is important to ask yourself questions: where did the message come from, why they ask to establish a third -party application, why they require urgently entering data, — noted the deputy.

He added that protection against such attacks should be built on awareness and habit of double -check.

You can not transmit codes from SMS, install applications at the request of unknown persons, enter cards on unfamiliar sites. Only the conscious behavior of the user in combination with technical protection can ensure real security— concluded Nemkin.

Source: press service of the State Duma deputy Anton Nemkina

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