Тhe article outlines the current global approaches to the introduction of electronic money arising from the objective grounds for the development of the financial system and financial control and virtual assets; the author describes the CBDC system developed by the Ukrainian legislator, identifies and formulates the main trends in the context of determining the processes of protection of the rights of persons involved in such legal relations in Ukraine. The purpose of the study is to analyse the legal regulation and to try to express a position on the mechanisms for protecting the rights of individuals when introducing new payment instruments. Ukrainian legislation regulates the process of introducing electronic money.