Khlynov Bank is one of the first to show how the digital ruble will work in a mobile application.

      Khlynov was connected to the Digital Ruble project back in 2024, and a lot of work has been done so far: the Bank has successfully passed a number of test tests with the National Payment Card System and Central Bank. This was stated by the head of the Internet Banking Development Department of the Retail Business Department of the bank (Khlynov). Sergey Dudin at an event dedicated to the anniversary of the Bank. "Banks are assigned the role of financial intermediaries in the project, and they are the ones who provide conditions for customers in their infrastructure when connecting to the Digital Ruble Platform, both individuals and legal entities," said Sergey Dudin.

      The future is closer than we think.

      The fact that Khlynov Bank has done a great job within the framework of the Digital Ruble project is evidenced not only by the fact that today the Bank is one of three regional banks across the country that have joined the project and are undergoing tests, but also by the fact that Khlynov Bank has already presented a really working application interface on the Android platform: The guests were shown a recording of a smartphone screen, where an application familiar to Bank customers allows them to perform financial transactions with a digital ruble that is still unusual.

      Working with the application does not require any special knowledge and skills: Sergey Dudin noted that hints and explanations, as well as necessary navigation elements, are available to the client in the application. It is also very easy to open a digital ruble account or access it. In fact, it's no different from registering in a bank's mobile app with a payment card. In the case of using a digital ruble, the user needs to register on the Digital Ruble platform once, that is, to open an account in digital rubles. Then, on the Public Services portal, give consent to work in the digital ruble platform, seal it with an electronic signature and set a password to access the cryptographic message container.

      "After opening a Digital Ruble account, you need to top it up. In other words, buy digital rubles from a bank. A reverse operation is also available — the sale of digital rubles or the transfer of funds from a digital ruble account. And to transfer digital rubles from one individual to another, you can specify the recipient's phone number or digital ruble account number. As you can see, everything is quite simple and clear," said Sergey Dudin.

      Everything is protected

      The Bank attaches great importance to the issue of the security of its clients' accounts. The digital ruble in Khlynov's mobile application will be well protected. According to Sergey Dudin, the application has built-in cryptographic information protection functions, and using the biological entropy mechanism, a pair of cryptographic keys is generated, and this process is repeated twice. The first pair of keys is used to create a secure channel between the mobile application and the bank's systems using Russian GOST cryptography. The receipt of the second key pair leads to the release of the client's electronic signature, which signs all messages sent by the client to the Digital ruble Platform.

      "By providing services using the digital ruble, we primarily take care of the customer, so that the seemingly complex technology is simple and understandable, so that the service can be used in the bank's familiar mobile application," said Sergey.Ahead of time

      Over 35 years of operation, Khlynov Bank has grown from a small corporate bank into a large financial institution, which today is a reliable partner for many firms and organizations, not only in the Kirov region, but also in other regions of the country. In addition to Kirov region, Khlynov is represented in seven other regions of Russia. As Ilya Prozorov, Chairman of the Management Board of Khlynov Bank, noted, the Bank is not going to stop there.:

      "We have developed a Strategy that we will follow for the next three years in order to achieve our main goal — to make Khlynov Bank the best. This is not just a declaration, but a vector of development aimed at achieving concrete results and creating a unique customer experience. We see our bank not just as a financial institution, but as a reliable partner and a place where everyone will find what they are looking for: whether it is the implementation of business ideas, comfortable personal finance management or professional growth. In the next three years, we will focus on three key areas that will allow us to bring this vision to life: my bank is the best business partner, my bank is the best bank for my family, and my bank is the best digital bank," Ilya Prozorov said.

      It should be noted that Mikhail Sandalov, Chairman of the Government of the Kirov region, and Andrey Usenko, Chairman of the Vyatka CCI, came to congratulate Khlynov Bank on its anniversary. Ilya Prozorov was awarded the Badge of Honor of the Association of Banks of Russia by Grigory Medvedev, First Vice President of the Association of Regional Banks of Russia, for his outstanding professionalism in banking and constructive cooperation with the Association. At the end of the celebration, the "cherry on the cake" was a video message recorded by Russian actor Mark Bogatyrev, who said that new commercials for the Khlynov bank were currently being shot in Kirov, which Kirov residents would soon be able to see on their televisions, computer screens and smartphones.