Can digital currency be exchanged with bank for cash
In the future, the central bank's digital currency will replace part of the cash, but not all the paper money
Legal digital currency in China is the combination of digital currency and electronic payment instruments by the people's Bank of China, whose goal is to replace part of cash. In short, the digital currency of the people's Bank of China can be regarded as digital RMB cashdigital currency is essentially different from bitcoin, Libra and other virtual currencies. The latter has no national credit and legal compensation; The digital currency of the people's Bank of China is a legal currency guaranteed by the national credit, which has the same effect as cash
from the perspective of usage scenarios, the central bank's digital currency does not pay interest, and can be used in small, retail and high-frequency business scenarios, which is not different from the use of paper money. It does not rely on bank accounts and payment accounts, as long as the user has a digital currency wallet can be used. Moreover, the central bank's digital currency uses the latest al offline technology, which can still be used even without mobile phone signal
Dong ximiao, a distinguished researcher of the national finance and development laboratory, said that as long as the mobile phones with digital currency wallets are touched together, the transfer or payment can be easily completed
experts say that in the future, the central bank's digital currency will replace part of the cash, but not all the paper money. Dong ximiao, a distinguished researcher of the national finance and development laboratory, said that in China, paper money will exist for a long time, and our user habits are also different. Cash payment and non cash payment will coexist for a long time
at the same time, the digital currency issued by the central bank starts from replacing banknotes and coins in circulation, that is to say, assuming that the current currency in circulation is 100 yuan, the central bank's digital currency will replace the 100 yuan equivalent
the choice of digital currency investment depends on whether it has a good application scenario planning. Bitcoin has been recognized worldwide; Ethereum is an intelligent contract platform, and decent is a distributed content publishing platform based on blockchain technology.
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