Cash innovations and digital economics: reaction of the state, society and universities

The article is devoted to the study of theoretical approaches to the content and functions, as well as the results of the introduction of modern digital financial innovations (cryptocurrencies, blockchain technologies) into modern financial and economic circulation in various countries of the world. It analyzes the positions of government structures, central banks of different countries in relation to challenges and risks, on the one hand, and progressive changes that accompany the introduction of digital technologies in financial and economic relations, and also discusses some of the prospects for the global monetary system. A special place in building the architecture of the new global financial system is given to higher education, modern universities that can implement training for the new economy and social sphere. The analysis allows to draw conclusions about the active role of the state, the structures of civil society in the adaptation of the population to the challenges of the information revolution.