The picture shows the digital RMB style displayed in the digital RMB app.
What does digital RMB look like? How to use it?
In Baoan South Road, Luohu District, Shenzhen, dozens of merchants, including supermarkets, retailers and life services, can use digital RMB.
Deng, the head of a supermarket in Shenzhen, said that all our stores have been trained in the operation of the digital RMB trading process and are fully prepared to meet every customer.
According to relevant personnel, the selected 50,000 citizens will be invited to download an App called Digital RMB. After clicking it, digital RMB with 200 yuan denomination will be displayed, and the words "transfer" will be displayed on the page. It should be possible to provide shuttle service in the future, but this pilot has not been opened.
Users have experienced shopping payment and refund in the supermarket, which is basically the same as Alipay WeChat.
65438+1October 65438+September, "Shenzhen Release" officially revealed that by June 65438+1October 65438+1October 24, 2020, * * * 47573 people had successfully received the "digital RMB red envelope". The data shows that some successful individuals also recharge their digital wallets, and the amount of recharge consumption is 90 1 10,000 yuan.
Yang Tao, deputy director of the National Finance and Development Laboratory of China Academy of Social Sciences, said that on the one hand, this test is to adapt to how to be a payment intermediary more smoothly in different scenarios; On the other hand, it is stress testing and application testing to avoid the risk impact on the Internet in the future. In the medium and long term, its impact is still worth looking forward to.
What conjectures have been proved to be "misreading" because the digital RMB is now true?
With the official appearance of the digital RMB wallet in public view, the digital RMB that shows its true face proves that some previous conjectures are "misreading".
-digital currency is not equal to blockchain.
As Yi Gang, governor of the People's Bank of China, said before, there is no preset technical route for digital RMB research and development, and it can be chosen through fair competition in the market. Blockchain technology can be considered, and new technologies evolved on the basis of existing electronic payment can be adopted to fully mobilize the enthusiasm and creativity of the market.
Statutory digital currency is not a digital encryption asset, nor is it limited to a certain technology. It's not just blockchain technology but digital currency. The reporter learned that the digital RMB does adopt blockchain technology in some links, but it is not suitable for retail applications based on some technical characteristics of blockchain.
-Digital RMB is not mandatory for businesses.
According to the current regulations, merchants can't refuse cash. Although the positioning of digital RMB is to replace some cash, it is necessary to reform the relevant payment system and support the consumption of digital RMB, so there are conditions for accepting merchants.
An institutional person involved in the operation of digital RMB said that the circulation and operation of digital RMB is a market-oriented behavior, which requires operating and service organizations to enhance the experience of customers and merchants, fully mobilize the enthusiasm and creativity of all parties, and ensure the wide availability of digital RMB.
-digital currency is not trying to replace third-party mobile payment.
In the circulation of digital RMB, all parties in the payment chain need to promote it together. The digital currency Research Institute of the Central Bank has reached a strategic cooperation with JD.COM Digital Technology Group to promote the application of digital RMB. Ant Group also revealed that it actively participated in the research and development experiment of digital RMB.
Mu Changchun, director of the digital currency Research Institute of the Central Bank, has made it clear that digital RMB is "the digitalization of RMB". As a pure public product, digital RMB will become an important supplement to electronic payment, without seeking to replace any payment method.