Digital currency is a dual 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>

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

With & lt; Digital currency;, People will continue to use WeChat and Alipay. The emergence of digital money will not affect WeChat and Alipay. The reasons are as follows:

digital currency has begun to promote, but it still takes time to fully popularize it. After all, digital currency is a new way of payment, consumers need to fully accept it. Alipay is able to get users to trust and accept, and it has also been a long time. WeChat also has the user base to achieve the current popularity, but digital money has no such foundation. P>

but Alipay and WeChat do not have counterfeit software. From this point of view, at least WeChat and Alipay's security is guaranteed. Moreover, it is not easy for consumers to change their habits, especially for the same kind of things. There is no need to change them at all. In theory, digital money is just like paper money. Alipay and WeChat are only third party payment platforms, but there is not much difference as long as they can complete the payment. p>

Ten years ago, people went shopping with a lot of cash. However, with the development of the times and the progress of science and technology, people rarely carry cash when they go out, just a mobile phone is enough. With the popularity of Alipay and WeChat, more and more people can get rid of the inconvenience brought by cash and enjoy the convenience and speed brought by technology. However, following the payment of Alipay and WeChat, a new currency appeared: digital money. p>

to a certain extent, digital currency is easier to manage, and there is no way to hide funds, so it is very helpful for the supervision of some criminal activities. Moreover, there are essential differences between digital currency and bitcoin which is popular in the market. If the central bank really starts to promote digital currency, will ma Yun and Ma Huateng have a way to deal with it? What kind of payment method would you choose? Welcome to discuss

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. Because digital currency comes from some open algorithm, it has no issuer, so no one or organization can control its issuance

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

extended information:

the central bank concted a private test on this digital currency, and some civil servants' salaries were received in the form of digital currency

screenshots of the digital currency wallet applications launched by Agricultural Bank of China, China Construction Bank and Bank of China are widely spread on the Internet, showing various functions, including the ability for depositors to track digital currency transactions and associate digital currency wallets with their existing bank accounts

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}