This is a technical note in Russian that adapts and builds on the December 7, 2017, version of UVA-F-1810. It explains what blockchain is and what it allows, and discusses its advantages and potential issues to consider further. It also provides an example of an application in which blockchain technology is used and describes regulatory and governance considerations. This note also discusses various applications of blockchain technology in European markets. It can be used in a financial institutions or fintech course along with a case on digital currencies.