Does the central bank use mobile phones for digital currency

1. The Chinese version of CBDC is described as digital RMB, which is issued by the people's Bank of China, operated by designated operators and exchanged to the public. It is based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation
what we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment instruments"
the center for International Settlements (BIS) and the Committee on payment and market infrastructure (CPMI), two authoritative international organizations, jointly concted two questionnaires on more than 60 central banks in 2018 and 2019. The content of the questionnaire includes the work progress of central banks on digital currency, the motivation of studying digital currency and the possibility of issuing digital currency. 70% of central banks said they are (or will be) involved in the research of digital currency
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2. The specific time can not be confirmed, and research is being carried out with the instry
more than three years ago, the people's Bank of China started to organize a seminar on digital currency, and then set up the digital currency Research Institute of the central bank. The recent action is to jointly organize step-by-step R & D with the instry and cooperate with the market. What the central bank develops is actually electronic payment. What it pays is digital, not paper money. Digital money also has monetary properties. The study of digital currency is not to realize the application of a certain technical solution, but to pursue the convenience and low cost of retail payment system, as well as security and privacy protection
the central bank's version of digital currency is inspired by bitcoin, bitcoin cash, wikilink and other digital currencies, and adopts the underlying technology blockchain of bitcoin.

3. When the central bank's digital currency is used, the mobile phone must have NFC function to pay.

4. NFC should be a way of digital currency transaction, as far as internal test is concerned. The official explanation is that the digital currency wallet has the functions of scan code payment, payment code, touch and remittance. NFC is the hardware condition of near-field NFC payment, and NFC should not be the necessary condition of digital RMB.

5. A decentralized digital currency storage scheme is provided for users. The wallet key and the address and private key information of all kinds of currencies are stored in the user's local system. At the same time, the wallet provides a convenient key backup scheme - users only need to backup once and save it in a safe place. Even if the types of digital currency are added subsequently, all types of digital currency assets can be recovered with backup. In addition to allowing users to fully control the key of the wallet, the wallet also provides multi signature technical support and two-step authorization verification for digital asset management of different scales. Users can choose mobile phone verification code, fingerprint, living body and other verification methods ring transfer transactions to ensure the security of digital currency assets in an all-round way.

6. However,
after the identification,
remember that under no circumstances can you remit money first, whether it is franchise fee, deposit or other name,

7. At present, the central bank has not launched any digital currency, let alone the problem of purchase. The central bank just held a seminar on digital currency, at which the relevant person in charge of the central bank said that it was necessary to develop digital currency as soon as possible. However, the time for issuing digital currency is not yet ripe, and it may not be able to be issued in the next ten years. And this kind of digital currency may just be the digital currency of RMB. There should be a natural difference between bitcoin, Ruitai, Weimeng, Laite and doggy.

8. The central bank is responsible for distribution to commercial banks, and then commercial banks operate for users