In any case, digital currencies of various states should have appeared after the currency of states began to be used to issue stable coins by various business structures, including private individuals. The coronavirus pandemic accelerated this process and emphasized the importance and urgency of this event. Therefore, the digitized currencies of states and their unions will soon appear in large numbers. France and Germany contribute to the emergence and development of the digital euro. Also this month, the Chinese government promised to launch its digital yuan. The world is switching to digitized currencies and cashless payments.