Can digital currency pay without money

1. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence
digital currency is also different from virtual currency. For example, the well-known Q coin and the money recharged in various games are virtual currency. These virtual currencies can only be purchased with real currency, but cannot be converted into real currency
in the world, bitcoin is probably the most famous digital currency. In addition, there are "Wright coin", "Dog Coin" and "Yuan Bao coin" in China.

2. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, the digital currency may feel similar to the electronic payment method, but the two are essentially different from each other. Now most of the mathematical currency is uploading Alipay account, but it should be noted that the uploaded account number and the payment code must be registered with the name on the same pair, which proves that it is the same person.

3.

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 currency

3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough

4. Unless digital currency opens up a business like credit card, you can't pay without money

5.

I will still use Alipay, because Alipay is more convenient for . Although digital money purse does not charge circulation fees, it will not catch up with Alipay in terms of popularity. Moreover, the money will be placed in Alipay, and there will be interest. Put it in the digital currency purse, it doesn't have to have interest

03 and Alipay are more fun.

payment is just a small function of Alipay. Alipay also has many interesting functions. Alipay can grow , and it is really kind of planting trees. This kind of public welfare function makes people feel very meaningful< also has the function of raising chickens , which is also very interactive. Moreover, by the end of the year, Alipay will still be able to collect money. A Alipay has many functions. Can check medical insurance, provident fund and so on

comparison, I think there is a Alipay is enough, other do not need. Therefore, even if the digital currency does not charge for circulation, I still feel that Alipay is better used. After all, Alipay covers all aspects of our life, and it is more convenient to download a APP. p>

6. blockchain + digital currency opens "different" payment methods
with the continuous development and progress of society, great changes have taken place in our lifestyle, such as mobile payment and online shopping, which have brought great convenience to our life. Since the birth of online shopping, online payment has become a part of our life
online shopping is convenient, but it is also through the middle of a "invisible" process of payment, such as we bought something on the Internet, first pick out what you love, then you have to pay the problem:
now most people use Alipay is the way of payment, then first Alipay will receive payment request. Then it initiates the protocol to the network, saves the information to the database, and forwards the request to the bank. When the Alipay account shows that the dection is successful, it will have to be connected to the bank through the Internet. Then the buyer will confirm receipt after receiving the goods, so that the buyer will dect the money before transferring to the seller's account. Not only is the transaction process too cumbersome and complex, it is clear that the transaction between the two parties has to go through a series of links. More importantly, once the intermediate payment link collapses, the whole transaction will stop, and the subsequent operation is really troublesome

in fact, the popular explanation is that when I want to buy something, I give the money to the middleman and ask him to help the seller. If the middleman makes any mistakes, it may lead to the situation that the money can not be recovered and the goods can not be obtained
is there any way to simplify the transaction process and improve the transaction efficiency? Yes, the current hot blockchain technology and digital currency payment can better solve the above problems:

blockchain has become one of the hot topics in the past two years. Blockchain can replace the existence of these third-party services:
first, blockchain can not be tampered with. Every transaction will be distributed to each block for record keeping, Then use cryptography to verify, any malicious damage or record deletion will be found, so the whole process of shopping will be seen. Blockchain strengthens the trust, traceability and transparency in the transaction, making our transaction faster and more convenient<

the second is the unique payment characteristics of digital currency:
the decentralization of digital currency can eliminate the intervention of the third party, and there is no need to worry about the problems of the third party, resulting in the whole transaction payment process can not continue
the point-to-point transmission of digital currency saves the time link in the whole payment process and realizes fast payment, so that both parties can receive money quickly and save time
openness and transparency of digital currency: except for cash transactions, all transactions based on online payment are just a series of numbers, and all transactions of digital currency are open and transparent. You can check the transaction records of all payments, which can ensure the security of the overall commodity payment
and like China's booming WeChat, Alipay and other payment platforms, cross-border payment has been realized, but there is a problem that fees will be more expensive than domestic payments, and the settlement cycle will be longer than domestic. In general, efficiency will be slow, time is long, and hand renewal is expensive. Digital money will make traditional transactions "no longer traditional". That will also make cross-border payment more efficient: digital currency is not subject to the "constraints" of any country or bank. Based on blockchain technology, it can just bypass this centralized system with low handling charges, and its point-to-point transmission transaction characteristics can effectively improve the current problems of long-time and high cost of cross-border payment

the times have been developing, and the way of life is constantly improving. Online shopping and payment are born from our development, with both advantages and disadvantages. Then we will try our best to push everything in a better direction
digital currency is on the rise. Although the current digital currency is not perfect, many countries have begun to use digital currency as a payment method. Due to the various characteristics of digital currency, bitcoin, Ethernet, Las Y2, QTP (wechat ID: yingbivc), ASEC and other digital currencies are being actively used. They can not only simplify the traditional online payment transaction process, but also circulate payment around the world and rece exchange rate issues such as handling charges. Don't just look at digital currency with one eye. Maybe in the near future, it will open the era of digital currency full payment!

7.

at the beginning, when people heard the digital currency, they confused it with Alipay and WeChat. In fact, the digital currency is different from WeChat and Alipay. It is a kind of currency, and WeChat and Alipay are tools of payment, but also a means of payment. Therefore, digital money and Alipay and WeChat are essentially different things. To put it simply, Alipay and WeChat are a kind of purse, which can be paid by recharge, while the digital money is directly paid. p>

digital currency

and Alipay need to complete payment in the case of network, but digital money is different, even if there is no network, the digital money can still complete the payment. Not only that, WeChat and Alipay have "cash withdrawals" services, and cash charges are charged for collecting cash. Each charge is charged at 0.1% of the cash withdrawal amount, but the use of digital money can save part of the service charge. In this way, the use of digital currency can avoid the cost of "cash withdrawal" and save a lot of money for people. Of course, the benefits of digital currency are more than that

digital currency is very different from WeChat and Alipay. There are two ways to use it. One is to pay by mobile phone, the other is by credit card. The process of mobile payment is not difficult. You need to use the software called "digital RMB". When collecting and paying, you just need to slide up payment and down payment. Swiping the card is for the elderly. Although they are not very good at using smart phones, it is more convenient to use the card. You only need to touch the relevant scanning instrument with the card to complete the payment

it should be noted that as digital currency is a new way of payment, it has not been fully promoted. At present, it is only a pilot project in some cities. Last year, Shenzhen, Suzhou, Cheng and xiong'an new area all launched corresponding pilot projects. This year, Shanghai and Beijing also started digital RMB pilot projects. It is understood that today, the total transaction volume of digital RMB has exceeded 1.1 billion

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