Money cashing digitization

1. Currency digitalization is like WeChat Alipay, and bankcard pays
1. digital currency facing two risks. The first is the technical level. Digital currency relies on blockchain technology and a system, which will make it suffer from security impact, such as hacker attacks on computer systems. We have seen many practical problems in this process< Another risk of digital currency is credit risk. Because there are middlemen in digital currency transactions, these middlemen are different from real organizations. In reality, organizations can be seen and felt, but the middlemen of digital currency are on the Internet, so the risk is greater
3. Digital currency has the characteristics of anonymity, quickness and irrevocability. In addition, bitcoin and other digital currencies have high circulation in the world, so many criminals use digital currency as a new money laundering channel. Moreover, there are many different ways to realize money laundering through digital currency. Generally speaking, the probability of new money laundering being found and investigated is lower than before. Many countries have no effective means and technology to combat money laundering through digital currency. These factors lead to criminals prefer this way of money laundering
investment is risky and business should be cautious

2. The future of money is hard to predict, but virtualization and digitization are a big trend. Digital portable, energy saving, environmental protection, fast payment and other advantages are more and more respected and welcomed by people. The rapid development of Alipay in China is the best example. Of course, the emergence of bitcoin has overturned people's understanding and definition of traditional currency. Bitcoin can solve some problems and shortcomings of legal currency. For example, people are dissatisfied with the devaluation caused by excessive currency issuance, the differentiated services in the traditional financial field, and people's need for privacy. Of course, bitcoin also needs to be acquired, and the cost is high. For example, bitcoin mining needs professional ASIC mining machines. These professional ASIC mining machines are expensive, but people still tend to be like cranes, indicating that bitcoin mining is still profitable. For example, the current price of the famous Avalon III 800g miner is 4.17 bitcoins, about 13000.

4. Yes, yu'ebao and bitcoin are not the same concept. One is to make full use of currency, and the other is to replace traditional currency. And there is no effective regulation, so bitcoin is bound to fail

5. No, the digital currency issued by the central bank is still in the experimental stage and has not been officially issued
in addition, digital currency corresponds to RMB, and the exchange rate between them is fixed and there is no fluctuation, so there is no theory of appreciation and depreciation
in addition, there are many people who use digital currency to defraud, so we need to be vigilant
in the future, the digital currency issuance of the national central bank is also through the bank, rather than entrusted to a company

6. The digitization of money in form is desirable. Direct bank card transfer, online payment and other means can greatly facilitate people's lives and rece the trouble of carrying a large amount of cash. But in essence, money can not be purely digitized, because money not only has the function of payment, but also has the function of wealth storage. Money must have a constant value "anchor" to maintain its value (such as gold). Otherwise, pure digital money is easy to be controlled by the government or large financial institutions, and the currency value is unstable, It is easy to ince hyperinflation, thus damaging the vital interests of the masses.

7. It's an inevitable trend. For example, many people don't touch cash now