De centralization and Alipay

1. As for the decentralization of blockchain, jinwowo group thinks that we can understand it this way. It is mainly a feature of blockchain, that is, e to the use of Distributed Accounting and storage, there is no centralized hardware or management organization, the rights and obligations of any node are equal, and the data blocks in the system are jointly maintained by the nodes with maintenance function in the whole system.

2. It takes 57 days for rx470 and 100 days for 1070. I hope you can get rid of this idea. Now the appreciation of the virtual coin country is choking, so we need to be cautious< br />

3. Blockchain is on fire these days, and more and more people are interested in blockchain. But blockchain is really hard for people who have never heard of it
I believe most people have heard of cryptocurrency bitcoin. Blockchain is the underlying technology of bitcoin. It is a chained data structure composed of data blocks connected in sequence according to the time sequence, and it is a distributed account book that can not be tampered with and forged by cryptography
there are a lot of blockchain landing applications, and those who are interested can have a look. Cryptography focuses on blockchain messages.

4. As early as 2014, the people's Bank of China has set up a special research group to study the central bank's digital currency. Until today, the central bank's digital currency has a real sense of landing. China may become the first economy to issue sovereign digital currency, and 2020 is expected to be the first year of global central bank digital currency
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions at all, it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.

5. Themis positioning centralization of digital asset hosting infrastructure is the world's first centralized digital asset hosting public chain, similar to Alipay's role in traditional escrow payment.
unlike traditional e-commerce escrow payment, Themis project uses the characteristics of blockchain and adopts group escrow mechanism to realize decentralized escrow service. Under such a mechanism, all parties can choose multiple third parties from a group of escrow service providers and mediate disputes by majority voting, thus ensuring fair exchange of digital assets
Themis does not rely on a single third party as a guarantee, so it reces the risk of collusion, denial of service and hacker attack, so that this fair and fair mechanism can promote the development of e-commerce, Global trade and smart contracts, and represents the development direction of innovative financial technology in real application scenarios.

6.

Alipay's characteristics:

"Alipay Mini program does not have the scale effect of WeChat". For example, in a hospital in Guangzhou, Alipay opened a registration service for pregnant women, and registered more than 400 people on the platform one day, and the total number of registration in this department at most one day is 500. P>

registration and payment functions are the earliest convenience services that Alipay opened. The number of users of such applications is not worth mentioning compared with the activities of some small programs on WeChat platforms, which are hundreds of millions of days. But it is related to the positioning of Alipay APP in terms of functionality. Until now, most people have opened up Alipay's motivation or "think of a function to be used, which is actually a dilemma for Alipay". At the same time, it is also the starting point of Alipay's small program: "one of the two main differences between information distribution and service distribution". p>

2. When using offline services

the offline value of small programs is the most noteworthy, because users' offline consumption needs are "fast", "flexible" and "go as you go". For example, ordering dishes in restaurants, simply scanning the two-dimensional code, you can access the small program, and you can finish ordering immediately, without downloading APP, and not having to pay attention to official account numbers. You don't have to wait in line to wait for the waiter in the restaurant. At the same time, loading speed is faster than H5, payment is more convenient than H5, and it can be said to be the most convenient way for users. p>

therefore, each of them has its own advantages

7. The number of third-party payments per day is limited, which is required by the central bank documents, so Payment institutions are not allowed to do it
if your Alipay payment number is not enough, you can use WeChat to pay for the transfer.
wechat payment supports 100 transfers a day, which is sufficient as long as there are not too many business needs