Suzhou digital currency double offline payment
digital money is getting closer and closer. Many people will wonder whether digital money will completely replace cash or completely replace WeChat and Alipay mobile payment? What are the differences between digital money and WeChat or Alipay payment? The following is an analysis
digital money and WeChat Alipay payment. Although they all belong to mobile payment, the two payment methods are very similar. P>
WeChat or Alipay payment
WeChat Alipay payment has become the most commonly used payment. We just take out the mobile phone and open the WeChat or Alipay scan payment code, so that we can do business and shop without cash at all. P>
, but WeChat or Alipay payment is based on the premise that the mobile phone must have signals, but also have the premise of the network. Similar to the current p>
, although there are many ways to pay, similar to some elderly people, or cheap mountain areas, WeChat and Alipay temporarily use difficulties, or need to use cash to achieve a transaction. p>
but after the digital currency comes out, these difficulties can be solved. The elderly and remote mountainous areas can also use digital currency, so they can say goodbye to cash
comprehensive analysis shows that digital money is an upgraded version of WeChat and Alipay mobile payment. Since it is an upgraded version, and it is issued by the central bank, it naturally has its own advantages. WeChat and Alipay do not have these advantages. As long as there are differences between the advantages and disadvantages, there is definitely a difference between the two. The above three points are the biggest difference between them. p>
May. Digital RMB does not need to rely on the network system when it makes payment. Therefore, the cost of payment will be lower. To a large extent, it may further enhance the convenience of payment and even the future universality of digital RMB. Moreover, digital RMB has the characteristics of legal compensation, that is to say, all public and private debts in our territory, any creditor, at any time, should not refuse to accept our digital currency, digital RMB, for any reason
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support loose coupling of bank account
support loose coupling of bank account means that you can open a digital RMB wallet without a bank account
for some people in rural areas or remote mountainous areas, overseas tourists, etc., who can not or are inconvenient to hold bank accounts, they can also enjoy corresponding financial services through digital wallet, which is helpful to realize inclusive finance
In recent years, the rise of financial technology drives the digital and intelligent development of finance, and the form of money is also evolving. Recently, the news of digital currency has attracted people's attention, and there is still a lot of gap with the current online payment
In 2020, the competition of digital currency is becoming more and more intense, and the new actions and new progress of various countries continue. Since 2014, the Central Bank of China has been promoting the research and development of digital currency, making it clear that digital RMB is mainly positioned as cash in circulation (M0). At present, digital RMB has been tested in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympic Games
Zhang Zhijun: the most basic payment carrier of digital RMB is mobile app. Of course, in order to enable people who do not use smart phones to use digital RMB, there can also be other carriers, such as smart payment card, which can be the same size as credit card, and even have password or biometric authentication functions, so that the holder can use it to pay, or recharge in some outlets. In fact, the process of digital RMB exchange can also be seen as a specific payment process, that is, using digital RMB to buy foreign currency or gold
About your question, my first feeling is:
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personally, I don't think you have a good understanding of the concept of digital currency (of course, it is very likely that I don't understand your Zheng Sisi very well, sorry). I suggest you go to the Internet search to find out the explanation of digital currency, bitcoin and other networks
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digital currency mainly represents or narrowly refers to bitcoin, which is the world's first kind of money or wealth truly owned by a private person. This can be explained by referring to the Internet. Since it is a wealth or currency completely owned by a private person, it means that no one can freeze it or confiscate it, So there is no charge at all
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as long as bitcoin is stored in a wallet that completely controls its private key, such as the offline paper wallet created by bitcoin offline (specific web search: Secure offline paper wallet of bitcoin), such as the paper wallet, which has never been in touch with the Internet, as long as you don't say it yourself, you will never know it again, This is the best explanation for full ownership. In that case, who will charge
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in conclusion, if I understand your question, holding a completely private digital currency will not generate charges< br />
on the evening of October 8, 2020, the official microblog of Shenzhen Internet Information Office announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan District, and in combination with the local consumption promotion policy, Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China. This means that the digital RMB in the process of practical application has been an important step forward
when we talk about digital currency, we usually think of bitcoin and other folk currencies based on blockchain technology. But they are essentially different
Yang Jun, a researcher of digital currency, introced to time finance that cryptocurrencies such as bitcoin are basically decentralized and illegal, and have no legal compensation, so there are great risks. The central bank's digital currency, like paper money, is centralized, legal, and has national credit endorsement
from the perspective of usage mode, digital RMB is more similar to the existing third-party mobile payment, but has the advantages of higher credit endorsement, stronger privacy management, more advanced means of payment and so on< According to Yang Jun's analysis, in the future, digital RMB will have a huge impact and challenge on the existing third-party payment means
it can be said that digital RMB "has come out"
for digital RMB, the central bank has long had a layout. In 2016, the central bank established the digital currency Research Institute. At the end of 2017, with the approval of the State Council, the central bank organized some commercial banks and relevant institutions to jointly develop the digital RMB system (DC / EP). In April 2020, digital RMB will be tested for the first time in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympics
Zhang Jinxi, director of Guangdong Creative Economy Research Association and chairman of Yimi Holding Co., Ltd., the initiator of blockchain instrial intelligent park, told time finance that the last closed test was limited in personnel and use scenarios, mainly to test the performance of digital RMB
"the first is the technical feasibility and security, the second is the performance of high-frequency payment and exchange, and the third is the convenience and friendliness of payment." Zhang Jinxi said.
As we all know, China has begun to prepare digital RMB in recent years. In Shenzhen, some experiments and practices have begun. The so-called digital RMB is to transfer the real printed money into the form of digital characters. Although these currencies are issued in digital form, they have legal effect, because they are issued by the people's Bank of China. In other words, a dollar of digital currency has the effect of a dollar. The issue of digital currency not only greatly speeds up the process of digitization and scientization in China, but also has a certain role in environmental protection. We should know that the banknotes issued every year will consume a lot of trees and paper, and some banknotes can not be used again after they are damaged. In fact, it is a waste of paper, which is not environmental protection. The digital people's currency perfectly avoids these shortcomings, which is also one of the manifestations of human scientific progress{ RRRRR}
some of them are agents, and most of them are alterers. They rent a counter to put a small amount of goods, but they sell everything. If you ask, if they don't, they will go to the counter next to get the goods and sell them to you. In this way, they will earn some difference, Because it will be cheaper for them to buy goods.
there are both genuine goods and fake parallel goods. It depends on whether you have acquaintances and whether you know the goods