Shenzhen, as one of the four pilot cities, distributed a digital RMB red envelope of100000 yuan to 50000 citizens by lottery, which can be consumed by 3389 merchants without threshold. This is a landmark event of digital currency, the central bank of China.
At the same time, countries all over the world are also accelerating the research and development and experiments in digital currency. Digital currency will become a new currency form in the digital age, which is also an important milestone in the field of mobile payment.
From the global economy to personal consumption and life, it may be affected to varying degrees.
The domestic mobile payment market is now almost divided into two parts. Alipay has gained a market share of 55. 1%, while WeChat's Tenpay has gained a market share of 38.9%. Such an important market has been annexed by two private enterprises with a market share of 94%, and the state will naturally not stand idly by. Therefore, the central bank has also introduced a brand-new payment method-digital RMB, because it is backed by big trees, so the development process is also a green light. Alipay and WeChat met their opponents this time.
Digital currency is an electronic currency that replaces paper money, and its English name is DC/EP (Digital Currency Electronic Payment), that is, digital currency and electronic payment tools.
Digital RMB is equivalent to paper money and coins, which has value characteristics and legal compensation. Third-party Internet payment methods such as Alipay and WeChat payment mainly rely on the deposit currency in commercial bank accounts, and their status is the legal tender payment channel.
The RMB in our hands is legal tender, and no one or organization can refuse it. In technical terms, it is "unlimited legal compensation".
For example, if you pay for shopping in the mall, you ask if you can pay by WeChat. The shopkeeper told you no, I only support Alipay here, so you have to pay with Alipay.
But it is different to pay by DC/ Europe. If the shopkeeper doesn't accept it, you can call the police directly, because it's illegal not to accept cash, even the digital version of RMB.
This can further open the payment barriers between different platforms. Because DC/EP can be circulated on all online payment platforms, it is impossible for you to transfer WeChat change to Alipay now, and this may not be a problem in the future.
For ordinary people, the launch of digital currency is a good thing, so don't worry about privacy. Now Ma Shuang knows almost every expense you spend. If you buy an inflatable doll, Ma Yun will give you other styles accurately, but the country will not take the time to take care of them. The main supervision is the trend of big funds. Shenzhen has begun to control paper money and needs to apply for withdrawal of more than 65438+ 10,000 yuan. Another advantage of digital currency's launch is anonymity (nominally), and there is no need to associate with any bank, not bank deposits, and there is legal compensation, that is, the central bank will repay it for you if the bank fails.
In usage, digital RMB is similar to commonly used third-party payment platforms such as WeChat payment and Alipay. You can choose to scan the code to pay, or you can display the payment code for the merchant to scan. At the same time, you can also set whether to turn on secret-free payment for small secrets.
The difference is that digital RMB also supports "touch" payment, which is a near-field payment based on NFC, and the experience is similar to taking a subway bus with a transportation card.
Undeniably, the launch of "Digital RMB" is of milestone significance to China's monetary system and mobile payment market, because it will accelerate the electronicization of cash and bring us closer to the so-called "cashless society".