A sharp decrease in cash volumes, especially during the pandemic of the new coronavirus infection, the development of digital technology, the rapid growth cashless money transfers, and appearance of various types of cryptocurrencies used in the shadow economy to launder illegal funds, shifted the focus of government regulation to the banking sector. In world practice, with the introduction of new financial technology of digital currency, the state is fighting terrorism, drug dealers, online casinos, etc. The Russian state is faced with the problem of controlling monetary circulation at the national level and protecting monetary sovereignty, especially in the context of anti-Russian sanctions. All of the above confirms the relevance of the chosen topic. The scientific results of the research are as follows. The concepts of the digital ruble and e-commerce are suggested. The specifics, similarities and differences of the digital ruble, non-cash electronic money and cryptocurrency are identified. The risk assessment of Russian companies using a digital service is given. Financial models of e-commerce are systematized. An algorithm for the operation of an online store is developed. The results of the study may be useful to specialists in the monetary and financial sphere, experts on the problems of economic and technological aspects of the digital transformation of the Russian economy, as well as government authorities implementing national digitalization projects.