This is a very short post about an idea that was born to me a long time ago. Personally, I see great potential in it. Especially when you consider that the Bank of Russia is going to introduce the crypto-ruble. Its essence is that the state could replace taxes with interest on money transfers - just as it happens in all payment systems.
Note: I will most likely be here in a bunch of horses and people, but I do not have access to all the figures related to tax collection. For example, I was able to find personal income tax fees, but could not find how many people paid personal income tax.
Initially, the idea came about when I started using PayPal. Its main difference from other payment systems is that the commission is paid by the recipient of the payment, not the sender. It is very similar to the system when a person pays taxes: he received money, gave part of it to support the state. If the state controls its payment system, then it can take money for the service simply by using this service. Any money transfer is subject to a commission. Received a salary - paid a transfer commission. Bought something at a store - that store paid an incoming transfer fee.
In order to have some kind of foothold, I took personal income tax fees for 2020 . For 2020, individuals paid personal income tax in the amount of 4.25 trillion rubles. The population of Russia is, roughly speaking, 146 million people (meet: a spherical horse in a vacuum, because the entire population is taken into account, and not the number of people who receive money and pay taxes). That is, these 146 million people received a combined income of 32.7 trillion rubles and paid a 13% tax on them. If we assume that in the Russian Federation, instead of taxes, a transfer fee of 13% is charged, then to ensure comparable amounts of fees, it is enough for each of these 146 million people to receive about 224 thousand rubles per year, or 18,700 rubles per month ...
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@inkelyad . :
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