Can I have change for digital currency
Publish: 2021-05-29 00:51:21
1. The people's Bank of China has designed a two-tier architecture for digital currency
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
specifically, according to Yao Qian, director of China digital currency Research Institute, the design framework of central bank's digital currency is mainly convenient and efficient, safe and controllable, and popular development
as for the two-tier framework, the two-tier framework is the central bank and the commercial bank, based on the account and wallet. This framework is to combine the original bank account system with the account system based on digital currency wallet
in blockchain technology, digital currency is separated from legal currency system and bank account system. Otherwise, together, it will cause chaos. Considering this problem, Yao Qian introced digital currency wallet into the account system of commercial banks. In this way, an account can manage both electronic currency and digital currency. Of course, this kind of design has a great impact on the current banking system, but it is also a resource for commercial banks with mature system
how does digital currency wallet work in commercial banks
bank accounts and digital currency wallets of commercial banks have common management features. In this case, bank accounts and digital wallets have different positioning. According to the wallet standard designed by the central bank, a wallet is equal to a safe deposit box. According to the requirements of customers, the bank will manage the safe deposit box as all the properties of cryptocurrency. This framework adds a Digital Wallet ID field to the bank account. In this way, the wallet has the function of a safe deposit box and does not participate in the business, so as to avoid affecting the core business of the bank
digital currency transfer can be directly transferred in the commercial banking system, or through the note issuing bank using the client-side digital wallet, direct point-to-point transactions, so that there is no need to rely on inter-bank payment between account banks< In a word, digital currency wallet is the personal wallet in the commercial banking system
theoretically, the payment system deals with demand deposits, while digital currency is in the category of cash
is the digital currency issued by the central bank decentralized
Yao Qian said that the biggest issue facing the instry now is whether decentralized distributed ledger should be used at the top level
Central Bank digital currency is more convenient and can develop into controllable anonymity through centralized issuance and account based weak association. However, in the digital world, we cannot confuse the economy and finance behind the numbers. Although they are all numbers, they represent different assets, so the central bank will keep them in mind when designing. We want to have a mature financial infrastructure for legal digital currency, but considering that the note issuing bank is only responsible for the digital currency itself, and the account bank is responsible for the actual management business, so as long as the specific application is implemented, the note issuing bank and the account bank will perform their ties and do their best
then the characteristics of the central bank's digital currency are
1. Digital currency, like RMB, has stable value
2. The operation mode is the same as RMB, which is endorsed by the national credit and issued by the central bank, and all commercial banks exchange it into the market
3. Digital currency issuance relies on big data, because it has the possibility of real-time collection of currency bookkeeping, flow, transaction, etc., which can provide help in anti money laundering
4. After digital currency replaces paper currency, it will play a positive role in preventing counterfeit banknotes, changing change, and preventing damage and loss ring transaction storage
5. It will rece the waste of resources. The proction and printing of paper money need cost, while the proction of digital currency depends on big data, so it will rece the waste of resources
therefore, with the advent of the central bank's digital currency, personal participation will have less opportunities to make money
I hope it can help you
hope to adopt it
2. If you think about it, digital money is a national attribute. It is a higher level than Alipay and WeChat. It is legal tender, and others can not refuse it. You can reject WeChat payment and Alipay payment.
3.
Digital currency carrier is digital currency wallet
digital currency is an alternative to paper money
functions and properties are exactly the same as banknotes, but the form is digital
Therefore, it can be seen that the use of digital currency will be more secure In addition, digital currency has unique coding, and there is no way to forge itand whose wallet digital currency enters may generate traceable information codes, including the identity information of the wallet owner. In this way, as long as the digital currency is spent or transferred, it is very easy to trace
even in the future, if big data and Internet of things technology are further upgraded, where you spend digital currency may be traceable, including spending a few yuan and so on, which can be easily known and traceable
in this case, your mobile phone is lost. On the one hand, it is difficult for the person who finds it to crack many passwords on the mobile phone. If the person who finds it takes a lot of effort to break the password, then if he wants to spend money or transfer money, it is also traceable
4. What you lost is your mobile phone, not your account number. Just find the account number holding the currency
5. With digital money, we don't need to get change again. Now we pay with WeChat and Alipay. Don't you need change? In fact, it's the same!
6. It's a liar. I was cheated
7. If the digital currency issued by the people's Bank of China, then it is formal.
8. There are always people who will ask, "why don't I have any money in my bank card? If I punch in, why don't I?" This is the point of this question: here is the
now the Internet era. People learn to buy goods online, transfer WeChat, transfer Alipay, transfer money with mobile phone banks, transfer money with online banking, and so on. But sometimes they do not know how to check details. People often come to the bank counter to ask, where is my money?
different channels of transfer will lead to different methods of search< If you are at the counter, transfer money to another bank card with your bank card, if you have both cards. Or one of the two cards has no deposit card, so you can take your ID card and bank card, go to the system where you open an account, print the transaction details of the card, and you can see when the money is, which card number it is transferred to, and how much the amount is
second wechat transfer
if it's wechat transfer, if you use wechat wallet transfer, or wechat wallet has no money, you also use wechat scan code transfer (this is to use your wechat binding bank card transfer), you can open wechat_ Point me_ Point payment_ Order your wallet_ Click the bill in the upper right corner, where you can find the details of who you pay
if someone transfers money to you by wechat, the money is in your change, not transferred to your card, you should know that. If you want to transfer the money transferred from others to your wechat change to your card, you have to hang up the card after making the wechat real name system and withdraw the wechat change to your card, so that the card can have money.
now the Internet era. People learn to buy goods online, transfer WeChat, transfer Alipay, transfer money with mobile phone banks, transfer money with online banking, and so on. But sometimes they do not know how to check details. People often come to the bank counter to ask, where is my money?
different channels of transfer will lead to different methods of search< If you are at the counter, transfer money to another bank card with your bank card, if you have both cards. Or one of the two cards has no deposit card, so you can take your ID card and bank card, go to the system where you open an account, print the transaction details of the card, and you can see when the money is, which card number it is transferred to, and how much the amount is
second wechat transfer
if it's wechat transfer, if you use wechat wallet transfer, or wechat wallet has no money, you also use wechat scan code transfer (this is to use your wechat binding bank card transfer), you can open wechat_ Point me_ Point payment_ Order your wallet_ Click the bill in the upper right corner, where you can find the details of who you pay
if someone transfers money to you by wechat, the money is in your change, not transferred to your card, you should know that. If you want to transfer the money transferred from others to your wechat change to your card, you have to hang up the card after making the wechat real name system and withdraw the wechat change to your card, so that the card can have money.
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