The impact of digital money on Alipay WeChat payment

1、 Different monetary attributes

1. Digital currency:

digital currency belongs to legal tender

2. Wechat:

wechat belongs to the third-party payment instrument

3, Alipay:

Alipay belongs to the third party payment tool. p>

2. Different issuers

1. Digital currency:

the issuer of digital currency is the central bank

2. Wechat:

the clearing Party of wechat is a commercial bank

3, Alipay:

Alipay's settlement party is commercial bank. p>

extended data

in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account

digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:

1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing

3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough

Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy

digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.

Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world

Now with the continuous development of the network, our way of life has also undergone fundamental changes. Modern people in the new century are enjoying the convenience brought by science and technology. Among the continuous innovation of lifestyle, the innovation of payment mode is probably the most revolutionary. Now our mobile phone has become our wallet, and there are no restrictions on mobile payment scenarios. Under such circumstances, the digital currency of the central bank is also available in Shenzhen

now we are basically using WeChat or Alipay for mobile payment, and after the emergence of digital money, Alipay and WeChat will definitely have a certain impact. Strong>, however, because the promotion of digital money still takes some time, the impact on Alipay and WeChat will not be very large in the short term. Similarly, Alipay and WeChat may also benefit from their advantages in digital currency promotion. RRRRR}

, of course, Alipay and WeChat are also facing great opportunities in the face of crisis. In fact, digital currency is still currency. It is different from cash only in form, and there is no difference in essence

under such circumstances, the introction of digital money into Alipay and WeChat is not a reality. Therefore, in the current situation, Alipay and WeChat should stand on a higher level to look at the digital currency. P>

, ladies and gentlemen, what are your views on the digital currency for WeChat and Alipay? Speak freely in the comment area. p>

China, as a global mobile payment power, Alipay and WeChat have long been a national payment method. It is almost no need to carry a wallet now. Shopping just sweeps away, does not need purse, do not change, really feel the convenience, and whether it is Alipay or WeChat payment, the experience is very good. p> The DCEP, which will be launched by the central bank at the end of this year, indicates that the replacement of paper money is inevitable. So, will WeChat and Alipay be terminated? What's the difference between them

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you can imagine such a scene: as long as you and I have DCEP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has power, two mobile phones touch each other, and we can transfer the digital currency in one person's digital wallet to another person

four, WeChat and Alipay must first bind the bank card, then pay the with Alipay or WeChat payment code. DCEP doesn't need to be bound to a bank account. The transfer between users is independent of the bank account. This is the same as bitcoin and other digital currencies. As long as you have a digital wallet of DCEP, you can scan the code to pay

in fact, DCEP and WeChat pay, Alipay is very similar in the payment scenario, and the experience is expected to be very similar in the future. In the future, as long as electronic payment can be used, there will be digital payment ports of the central bank

so, for the common people, with DCEP, you just have a more payment method, as if mobile payment had Alipay first, and you could also pay WeChat. Use whatever is convenient. However, the emergence of digital money will also be a part of WeChat's payments and Alipay's share of 90%+, which now occupies the mobile payment market share. p>

digital Renminbi triggered hot debate, what impact will Alipay pay? Recently, digital currency has become a hot topic, although it is not a very new thing. But for many people, digital currency is something we can often mention. Whether buying goods or paying, the first thing we think about is WeChat payment or Alipay payment. Nowadays, the phenomenon of cash payment or bank card payment has been graally reced. This also makes us usually just need to take a mobile phone to go out to complete a series of transactions, without carrying too much cash or bank cards. Therefore, the arrival of digital money has made Alipay pay and WeChat pay more heat. People also rely more on these two ways of payment{ The arrival of the era of RRRRR}

digital renminbi has great impact on Alipay and WeChat. is also concive to people's money circulation on the platform so that they can gather more capital. strong>