Is the money in Alipay counted as numeric currency?
the three party payment tools such as digital currency and Alipay and WeChat payment are different. The payment of Alipay and WeChat is a well-known third party payment tool in China. Digital money is also possible in theory, but the market share of digital money in the field of payment is still very low.
1、 Different monetary attributes
1. Digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing
Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.
Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
Digital RMB (DC / EP) "ready", how will the future payment field usher in changes
in addition, for the areas that the central bank's digital currency can do but the third-party payment can not cover, Wang Zhicheng said that digital currency may have a great connection with the convergence of digital assets in the future, which means that shopping and selling use the same media, and things with similar media will have a better matching degree, which is easy to be accepted by everyone, "In the future, for example, for any financial procts and transactions between virtual assets, the matching degree and convenience of using the central bank's digital currency will be much higher than the current third-party payment."
it is understood that the digital RMB adopts a two-tier operation system, that is, the people's Bank of China first converts the digital currency to banks or other operating institutions, and then these institutions convert it to the public, so that the public can use it directly. The single tier operation system is that the people's Bank of China issues digital currency directly to the public< What is the difference between br />
Digital Renminbi and Alipay and WeChat?
at present, many cities across the country are experimenting with digital RMB red packets, and the use scenarios have expanded from the initial support of offline scenarios to online payment scenarios. As long as the mobile phone is equipped with digital RMB app and personal digital wallet, residents can use digital RMB
some people also compare the digital Renminbi with Alipay and WeChat payment. For this reason, mu Changchun also mentioned in the second the Bund financial summit held in October last year that WeChat, Alipay and digital RMB are not in one dimension. WeChat and Alipay are financial infrastructure and wallet, while digital renminbi is the payment tool and the content of the wallet. Br />
mu Changchun said that in the electronic payment scenario, WeChat and Alipay's wallet contained commercial bank deposit money. After the issuance of the digital renminbi, they could still pay with WeChat and Alipay, but the contents contained in the purse increased the central bank's currency. At the same time, Tencent and ant's respective commercial banks are also operating institutions, so there is no competition with digital RMB