The development of industry 4.0 involves the mass penetration of end-to-end technologies in all sectors of the economy. Manufacturing processes, the cost structure, monetization methods, and efficiency drivers are all changing. And states can no longer ignore the active development of global private currencies. Should the monetary and credit systems and payment infrastructure that have developed over decades be part of new business models? Will industrial companies be able to manage and access liquidity if banks do not develop new digital skillsets? Should capital-intensive industrial companies prioritize the tokenization of assets and rights as one of the key areas of the digitalization programme, thereby replacing traditional financial instruments? Will digital financial assets become more attractive as a means of tokenizing accounts receivable, guaranteeing metal supply or providing long-term motivation for employees? What is the position of regulators on private digital currency initiatives when it comes to transitioning to the digital economy? Will the idealized model of issuing roubles digitally remain unchanged? Do we need unified joined-up measures to prevent the spread of digital currencies? What is the model of threat and risk management in the world of digital currencies?