Digital currency system is coming
according to media reports, the people's Bank of China has completed a test on December 15, which shows how to conct transactions and clearing in the distributed ledger system
it is reported that this test was concted jointly with China's mainstream commercial banks, including ICBC, Bank of China and Weizhong bank< The report reads: "the people's Bank of China believes that digital currency can not only rece circulation costs, but also increase transparency, inhibit money laundering and tax evasion."
the report even suggests that Shanghai bill exchange pilot digital currency and set up a national bank bill transaction. At the same time, the people's Bank of China will also establish a digital currency Research Center, and is recruiting experts in big data, cryptography and blockchain technology< The report comes after Zhou Xiaochuan, the governor of the people's Bank of China, issued a statement in February in which he hinted that the people's Bank of China was considering using blockchain to issue digital currency
moreover, this test was concted at the time when the people's Bank of China launched an investigation into China's bitcoin exchange, which started early this month and has led to many changes in trading policies
as the world's first standard digital currency, Puyin takes 1 billion Tibetan tea as the primary standard asset, writes 1 billion Tibetan tea assets into the blockchain through digital encryption technology, and records the identification, evaluation and right confirmation of Tibetan tea.
Nowadays, with the development of the Internet age, the era of digital currency is coming. Digital currency obviously provides convenience for people's life, and there are many advantages. However, digital currency has no advantages of real currency and no interest{ RRRRR}
Third, digital currency has no interestbut the promotion of digital currency also has certain obstacles, for example, our payment platform today, and these mobile payment also need network, once the network problems, then even can not complete the payment. However, digital currency is different, not only does it need no network, but also will not be limited by time and space, and even does not need handling charges< it's just that digital currency has no interest of real currency, which is also the case that many people are reluctant to use digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
The central bank's digital RMB has legal compensation, Digital RMB does not pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money, and it is very convenient to use. according to relevant instry insiders, the use of digital currency does not need the Internet, and it can be said to be simple and convenient with a mobile phone, The cost is low
is there any security guarantee? In fact, the central bank's digital RMB has the nature of legal compensation. Digital RMB does not calculate and pay interest, and can be used in small, retail and high-frequency business scenarios. It is no different from paper money. Moreover, because of the nature of legal compensation, we can't refuse to accept the central bank's digital RMB. Moreover, the digital currency Research Institute of the people's Bank of China says that it can realize the circulation of digital currency between different clients in the transaction process by means of technical solutions, generating new digital currency and canceling old digital currency. After being excited for so long, it turned out that it was just an oolong. However, some people said that this warm-up is likely that the digital currency will be released soon
the basic threshold of Minstry is a little high. Let me talk about the new strategy today< 1. Defense facilities: basic technology, necessary items for defense
according to size, it can be divided into small (1x1), medium (2x2), large (3x3) and super large (4x4)< The attack targets can be roughly classified as ground, air, land and air joint
2. Mineral drill: the only way to obtain materials except hand drill can be divided into electric drill and non electric drill. The mining intensity of each miner is different. Let's talk about the mineral hardness. Different minerals have different hardness, and the corresponding mining speed is different. For example, if the mining intensity of dart is one, it can only dig minerals (copper, lead) with hardness less than or equal to one, but not minerals (coal, titanium, thorium) with hardness higher than one
3. The transportation system (solid) does not have one of the necessary materials for each bureau
it can be roughly divided into conveyor belt, conveyor bridge, material cannon and connecting equipment
conveyor belt: directional three-way access, basic transport materials (attachment: transport speed is directly related to distance, and can be accelerated)
conveyor bridge: directional multi terminal access, basic transport materials (attachment: transport speed is not related to distance, and can be accelerated), No acceleration)
material Cannon: directional single end entry, advanced transport material (attachment: transport speed has an indirect relationship with distance, which can be accelerated)
connecting device: non directional four side entry, basic transport material (attachment: transport speed has a direct relationship with arrangement, which can not be accelerated (warning: simultaneous router is extremely not recommended))
4, The details are the same as above, but the simultaneous router will not affect too many speed 5, power, extremely important resources in the later period The key points of drawing are connection points. The hubs that can be connected with multiple objects have upper limit of connection (Note: the connection points are connected with each other to occupy the connection space), battery, temporary power storage unit, rectifier effect diode with reference to actual capacitance, anti negative power (I'll do the tutorial next time, this is the new strategy) power station, power generation unit. There is the nature of blood loss (Note: power generation materials are explosive, the higher the probability and rate of blood loss), and the priority of new technology is pump and turbine. 6. Walls are defense units that block bullets. Some penetrating ammunition can't block them. They can be roughly divided into three categories. Ordinary, special effect, door ordinary, is the literal meaning of anti injury, there is no other special effects. For special effects, the plastic steel wall (absorbing arc, including its own side (Note: it can be used as a small battery without reserve (maybe the next tutorial), the special effects of small plastic steel and large plastic steel are the same), the fabric wall (rebounding most bullets), and the alloy wall (being hit will be blebbing discharge) are extremely not recommended to be used with the plastic steel wall. Door, own door, click to switch (disappear) 7, factory, used to upgrade the raw materials of advanced items The only thing to be reminded is that routers should not be put together with factories. Because the router is not directional. The material from the factory will flow back into the router. You'll get stuck in your purchase belt 8, arms factory, input materials and electricity to build troops. There's nothing to introce. The command post is an offensive unit. There are three commands (attack (start to the enemy's core, no, just go to the nearest monster's birthplace), assemble (circle around the command post), and retreat (circle around the factory)) to repair the unit. The injured unit will automatically go to the repair device and turn around. 9. Transform the platform to change your armor. The basic data of each set is different. See for yourself in detail 10. Other items, a mess of things, repair instrument (knock on the blackboard), give the surrounding friendly building units the percentage health value every second Accelerator (tapping on the blackboard). The point is that the official introction letter is wrong. It can accelerate almost all items (I have marked those that can't be accelerated) and can be superimposed with other acceleration effects (such as the water of the mining machine or the coolant of the battery). The shield is superimposed by multiplication. The absorbing bullet (note that the absorbing bullet) has shield capacity and threshold, (shield capacity: as the name suggests, it is the upper limit of the damage a shield can take) (the threshold is the amount of recovery per second of the shield capacity (which can be accelerated by liquid)) (cooling is the recovery speed of the shield after being blasted (which can be accelerated by liquid)). It can't be accelerated by accelerators to store goods and materials. There's nothing to introce about this use. Expand the core capacity, Next to the core manufacturing complex (I think the biggest use is to increase the core interface) launch pad, launch materials (to your space station, you can unlock the technology tree, or bring it down (start)). This launch material (next to the core manufacturing complex) is not easy to introce. When it is powered on, it can be launched as a percentage of all materials (only basic technology can, other mod's are quantitative launch)
With the continuous development of Internet and computer technology, whether it is the third-party payment or automatic settlement function, it has brought great convenience to people's life. Recently, another good news is that the era of digital currency is coming. Major banks have successively joined the digital currency pilot work of the central bank. The good news of digital currency appears frequently. The digital currency wallet launched by CCB app is currently being tested, which is one step closer to the official use of digital RMB
It is an inevitable trend for legal tender to develop into legal digital tender. In the long history of currency development, China, as the earliest ancient civilization in the world, according to the literature and relevant archaeological findings, the currency has been used for more than 5000 years, and the alternate development of its currency in various dynasties is very representative. For example, before the early Shang Dynasty, our ancestors took the lead in using shells as an equivalent trade, which greatly facilitated people's daily life; From the early Shang Dynasty to the early Song Dynasty, with the development of commodity exchange, there was an increasing demand for money. Seashells could not meet people's demand, so various shapes of copper coins began to appear; Since the late Northern Song Dynasty, e to the shortage of copper materials, paper money has been invented creatively. Nowadays, the development from traditional banks to E-banks has injected action into the development of China's low-carbon cashless society and created a good social environment for the development of legal currency to digital currency
non legal digital currency challenges legal sovereign currency. In 2009, Nakamoto created the world's first point-to-point decentralized digital currency, which was initially used as a gray commodity trading currency in the dark network (black market) within nine years. It has obtained legal status in the United States, Canada, Australia, Japan, Malaysia, Western Asia, Europe and other countries and regions. At its peak, bitcoin's total market value was close to $10000. Because bitcoin and other digital currencies have the characteristics of global transaction, point-to-point, anonymity, legalization of some countries and other factors, the state can not implement supervision and prohibition, resulting in a large number of capital flight and illegal transfer of assets, increasingly affecting the national financial stability, and posing challenges to the national currency, foreign exchange and other financial systems. At the same time, bitcoin and other digital currencies are increasingly challenging the security of the financial system of illegal countries, which also leads to bitcoin facing more severe financial regulatory policies and technical barriers in these countries