Alipay and WeChat digital currency

1. digital currency generally refers to bitcoin, Puyin, Leyte, dogcoin and other encrypted digital currencies
the three party payment tools such as digital currency and Alipay and WeChat payment are different. The payment of Alipay and WeChat is a well-known third party payment tool in China. Digital money is also possible in theory, but the market share of digital money in the field of payment is still very low.

2.

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

Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency

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

3.

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

4. The internal test of digital currency is carried out in Agricultural Bank of China. At the same time, pilot projects are also carried out in Shenzhen, xiong'an, Cheng, Suzhou and other cities. The process behind the digital money is different from that of WeChat Alipay. It does not need assistance from the third party payment institutions. At the moment of transfer, the physical relationship of money has shifted, so there is no credit risk problem.

5. The biggest difference between the digital money introced by the state and Alipay and WeChat is that after downloading the mobile phone software, the mobile phone can complete the transaction if the cell phone has electricity.

6. The two are different. Alipay WeChat is the third party payment institution that transfers funds through banks. The RMB is not stored in the mobile phone, nor can it realize offline payment in the true sense. Digital RMB is to digitize the real RMB, store it in the mobile phone, and pay offline like cash; In the final analysis, digital money is money, Alipay and WeChat are a way of payment. Alipay WeChat will not be replaced, but the function of electronic payment will be weakened.
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.

7.

at the beginning, when people heard the digital currency, they confused it with Alipay and WeChat. In fact, the digital currency is different from WeChat and Alipay. It is a kind of currency, and WeChat and Alipay are tools of payment, but also a means of payment. Therefore, digital money and Alipay and WeChat are essentially different things. To put it simply, Alipay and WeChat are a kind of purse, which can be paid by recharge, while the digital money is directly paid. p>

digital currency

and Alipay need to complete payment in the case of network, but digital money is different, even if there is no network, the digital money can still complete the payment. Not only that, WeChat and Alipay have "cash withdrawals" services, and cash charges are charged for collecting cash. Each charge is charged at 0.1% of the cash withdrawal amount, but the use of digital money can save part of the service charge. In this way, the use of digital currency can avoid the cost of "cash withdrawal" and save a lot of money for people. Of course, the benefits of digital currency are more than that

digital currency is very different from WeChat and Alipay. There are two ways to use it. One is to pay by mobile phone, the other is by credit card. The process of mobile payment is not difficult. You need to use the software called "digital RMB". When collecting and paying, you just need to slide up payment and down payment. Swiping the card is for the elderly. Although they are not very good at using smart phones, it is more convenient to use the card. You only need to touch the relevant scanning instrument with the card to complete the payment

it should be noted that as digital currency is a new way of payment, it has not been fully promoted. At present, it is only a pilot project in some cities. Last year, Shenzhen, Suzhou, Cheng and xiong'an new area all launched corresponding pilot projects. This year, Shanghai and Beijing also started digital RMB pilot projects. It is understood that today, the total transaction volume of digital RMB has exceeded 1.1 billion

the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system