TY JOUR TI Digital assets between risk and potential KW digital assets KW legal uncertainty KW KYC/AML KW smart contracts KW cyber risks KW digital asset storage KW cross-border settlements KW DeFi KW central bank digital currencies JO Theoretical economics AU Gorbacheva, T.A. AU Kruglyy, N.I. PY 2025 IS 0 PB Yaroslavl State Technical University