How to use the digital currency issued by the bank
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions, and it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.
The digital currency wallet is the hardware wallet, which means that the private key of digital assets is stored in a single chip, isolated from the Internet, plug and play. Hardware wallet can't guarantee 100% security. For example, if a geek gets your hardware wallet and doesn't know your private key, it may be cracked by violence. It's just one of the safest storage methods compared to other storage methods
many block chain entrepreneurs at home and abroad are optimistic about the development of this field, so they begin to build more hardware wallets. In the case of the exchange being stolen a lot of money and the software wallet being stolen from time to time, many investors regard the hardware wallet as the last moat
extended information:
whether the hardware wallet is safe
the hardware wallet can not guarantee 100% security. For example, if a geek obtains your hardware wallet, it may be cracked violently even if it doesn't know your hardware wallet immediately. It's just one of the safest storage methods compared to other storage methods
of course, there are exceptions, such as you have unlimited brain power and never forget. It's better to save it anywhere than in your own mind
Yao Qian, head of the preparatory group of the digital currency Research Institute of the people's Bank of China, said a few days ago that the prototype scheme for the central bank to issue legal digital currency has completed two rounds of revision, and is expected to be tested in relatively closed application scenarios such as the bill market in the future. The prototype system of legal digital currency is being developed. As for when the legal digital currency of the people's Bank of China can be launched, there is no timetable
from the start of digital currency research two years ago, to the digital currency seminar held by the central bank in January this year, to the establishment of the digital currency Research Institute and the recruitment of professionals by the central bank in the near future, digital currency is graally approaching.
a few days ago, Indian Prime Minister modi announced the issuance of a new currency aimed at combating tax evasion and money laundering. In fact, if the central bank issues digital currency with perfect technology and mature mechanism, it will have better effect. Because the digital currency, in addition to anti-counterfeiting, with the help of blockchain technology, makes the capital data traceable and highly transparent. These features can also be used for macro data statistics and monitoring, which has positive significance for big data risk control
as for what bank digital currency is, the central bank requested at the meeting on January 20 this year that the research team of the people's Bank of China should actively absorb the important achievements and practical experience of digital currency research at home and abroad, continue to promote on the basis of preliminary work, establish a more effective organizational guarantee mechanism, and further clarify the strategic objectives of the central bank in issuing digital currency, Do a good job in tackling key technologies, study the multi scenario application of digital currency, and strive to launch the digital currency issued by the central bank as soon as possible.
China's digital currency is as long as there is a mobile phone, no network, as long as the touch can be paid, and with detailed transaction records, it is very helpful to combat money laundering crime; This currency is mainly aimed at grabbing shares for Alipay, WeChat and POS terminals. It can also pave the way for RMB internationalization. Digital currency is not only safe and endorsed by the state, but the global central bank is pushing digital money. Now the digital currency is still in the testing stage. What time will it be popularized? It will have to wait until the Beijing Winter Olympic Games in February 2022 to fully promote the use
China's central bank's digital currency can be used for daily micro payments. Because it will be more stable with the endorsement of the state, the central bank's digital currency is different from bitcoin and Libra launched by Facebook. I give digital currency legal effect, and indivials can't refuse to accept it. At the same time, it is very convenient to use. It can be paid without binding any bank account. Digital currency will not cause inflation. Now it can be implemented and used in Shenzhen, xiong'an, Cheng, Suzhou and other cities. It also shows that the era of paperless is coming. Digital currency is a new concept with high technology content. In the future, RMB will enter the 3.0 era. Although the current digital currency is more powerful, it is still unable to put an end to money laundering and corruption