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wholesale jewelry under 5 dollars In short, digital currency is the digitalization of currency. The digital RMB is the same as cash. It can be used without a bank account, which can protect everyone's privacy to greaterly. Of course, it is more important for ordinary people to feel the actual use. After all, whether it is Alipay or digital RMB, mobile phones still need to be used, so many people think: Is it really necessary to use digital RMB?
. What is digital RMB
definition
The statutory currency of digital forms issued by the People's Bank of China, which is involved in operations by designated operating agencies and towards it to towards the operation and towards it to towards the operation. Public exchange, based on the broad account system, supports the loosening function of bank accounts, is equivalent to paper banknote coins. It can be used without a bank account, which can protect everyone's privacy to greaterly.
value of value
Maigoo I learned about the research and development and application of legal digital currencies, which is conducive to efficiently meeting the public's demand for legal currencies under digital economic conditions, and improving the convenience, security and anti -counterfeiting of retail payment. The level has promoted the accelerated development of China's digital economy.
. The advantages of digital RMB
The no handling fee for redemption
Digital RMB pursue the maximum social efficiency and benefits. It is not a service fee for the renminbi to the customers. The withdrawal of WeChat and Alipay is charged than the free amount.
If offline can also be paid
D digital RMB can achieve "dual offline payment" like paper money. As long as the mobile phone is installed with a digital RMB wallet, it does not require the network or signal, as long as the mobile phone has electricity, two are two, two of them, two You can achieve transfer or payment when you touch each other.
The cannot be rejected
Since the digital RMB is a legal currency, it is just like paper banknote, and no payee can refuse to accept it. For WeChat payment and Alipay, the income party can freely choose to accept or refuse.
This can be anonymous
D digital RMB does not depend on bank accounts. It has controllable anonymous functions. For some reasonable and legal small payment behaviors, anonymous state payment can be achieved, thereby protecting personal privacy and information security.
Inned payment barriers
It now there are barriers to the payment industry, such as the cannot be transferred between Alipay and WeChat. Digital RMB can break the barriers of the payment industry and achieve circulation between the supported banks and payment tools.
. The difference between digital RMB and WeChat Alipay
double offline payment
Alipay and WeChat's offline payment is the way to "offline, the payer online", the income party holds it When scanning the codes and scanning the payment code, the payee must be online. Digital renminbi is a method of paying first accounts and then payment, which can be paid without the income and expenditure parties offline. As long as the mobile phone has electricity, even if the entire network is broken, payment can be achieved.
This can be traced
The money in Alipay is just a string of numbers. Suppose you need to withdraw 2,000 yuan from the bank card. At this time Which 20 banknotes are Yuan, after you consume, 2,000 yuan flows in the hands of different people in different directions and cannot trace the source.
and digital RMB can be traced. When you pay, the flow of funds is recorded one by one. If you encounter illegal problems, you can directly find the source of funds.
. The difference between digital RMB and Bitcoin
The concept range is different
Bitcoin does not rely on specific currency institutions. According to specific algorithms, it is generated by a large number of calculations. It is a P2P. Form virtual encrypted digital currency. The concept of digital currency covers Bitter.
The issuer is different
Maigoo editor learned that Bitcoin does not have a concentrated issuer, but is generated by the calculation of network nodes. Everyone may participate in the manufacturing Bitcoin and be able to circulate all over the world. And Digital currencies have independent issuers.
The distribution method is different
D digital currency is a centralized algorithm. All data will be in the hands of the central bank. All illegal transactions can be monitored. Everyone may participate in the manufacturing Bitcoin, and anyone can dig, purchase, sell or collect Bitcoin, and the ledger is anonymous.
This number of issuances is different
D digital currency supply is issued with legal currency 1: 1; Bitcoin has a strong scarcity. When the initial birth was born There are only 21 million Bitcoin, and the total amount is constant.
The stability is different
D digital RMB and legal currency equivalent, the effectiveness and safety of the equal value; and Bitcoin is a virtual asset, without any value foundation, and does not enjoy any credit guarantees. It is impossible to ensure stable value.
. How to open a digital RMB
The number of digital RMB is currently in the pilot stage, there is no saying that "open all citizen public beta":
The first step: download and log in to the digital RMB app, registered after registration, registered After conventional operations such as mobile phone number authentication, they will choose to choose the operating institution.
It Step 2: There are currently 6 banks for choices, namely ICBC, Agricultural Bank of China, Bank of China, CCB, Bank of Communications, and Postal Savings. Choose a bank and make SMS certification, and the digital RMB wallet is successfully opened.
Note: Digital RMB wallets adopt a whitelist system. Citizens can apply for basic information such as ICBC, Agricultural Bank, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank. List.
. How to use digital renminbi
7. Digital RMB open cities
In the end of 2019, digital RMB pilots, tests have been launched in Shenzhen, Suzhou, Xiong'an, Chengdu, and Beijing Winter Olympics venues Essence By October 2020, Shanghai, Hainan, Changsha, Xi'an, Qingdao, and Dalian were added.
, digital RMB scam precautions