The Central Bank of Russia has published a concept for a proposed platform of commercial smart contracts as a separate component of the digital ruble infrastructure. The model would allow market participants to create their own smart contract scenarios for digital ruble services, rather than relying only on contracts created by the central bank, while individuals and companies would be able to choose offers that fit their needs. Smart contracts on the digital ruble platform are currently created only by the Central Bank of Russia. Under the proposed architecture, market participants would be able to develop contracts and upload them to a dedicated library. At the first stage, the platform of commercial smart contracts is expected to be operated by the Central Bank of Russia. The concept also sets out the platform's structure, the roles and functions of participants, examples of potential use cases, and approaches to cybersecurity. The regulator is seeking feedback on the main aspects of implementation through 30 September 2026.