Abstract
This thesis highlights the role of electronic money in the modern economy and their advantages over traditional money. Electronic money is a digital form of payment systems and serves as an effective complement to cash and non-cash circulation. The study analyzes the convenience, speed, security, and opportunities of using electronic money in international settlements. In addition, their role in reducing costs, ensuring transaction transparency, and further stimulating economic activity is examined. During the research, the advantages of electronic money are compared with traditional money, and conclusions are drawn about their prospects for future development.