Differences between digital currency and commemorative currency
1. Application of different
digital currency: fast, economic and safe payment and settlement; Bill finance and supply chain finance; The real right of collateral is digitalized
e-money: the seller sends the buyer's payment instructions to the seller's acquiring bank through the payment gateway; The acquiring bank obtains the authorization from the issuing bank through the bank card network, and sends the authorization information back to the seller through the payment gateway; After obtaining the authorization, the Seller shall send the buyer the shopping completion information. If payment acquisition and payment authorization cannot be completed at the same time, the seller should send payment acquisition request to the acquiring bank through the payment gateway, and transfer the transaction funds from the buyer to the seller's account. The final inter-bank settlement is completed by the payment system between banks
2. Different characteristics
digital currency is characterized by low transaction cost, fast transaction speed and high anonymity
e-currency is characterized by anonymity, saving transaction cost, saving transmission cost, small holding risk, flexible and convenient payment, anti-counterfeiting and anti repetition, and non traceability
Digital currency can be divided into three categories: completely closed, unrelated to the real economy and only used in specific virtual communities, such as world of warcraft gold; It can be purchased in real currency but not converted back to real currency, and can be used to purchase virtual goods and services, such as Facebook credit; It can exchange and redeem with real currency according to a certain ratio. It can purchase both virtual goods and services and real goods and services, such as bitcoine-money: e-cash based on the Internet environment and keeping the binary data representing the value of money in the hard disk of the computer terminal; An electronic wallet that keeps the value of money in an IC card and can be circulated out of the bank payment system
digital currency is also different from virtual currency. For example, we are familiar with the virtual currency and the recharge currency in various games. 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.
the natural nature of bitcoin is decentralized, but the Central Bank of digital currency must abide by the centralized management model. Compared with bitcoin, the central bank's digital currency has a higher "currency" value, and the price of bitcoin fluctuates greatly. the central bank's digital currency ensures the payment function in daily life, and has remained relatively stable since 2014. Since the beginning of the year, the central bank has been actively engaged in the research and development of digital currency, including the active application of relevant patents
starting from the issue of digital currency, the central bank uses a two-level operating system, which first converts digital currency into banks or other operating institutions, and then to the public. Mu Changchun said the al transmission system is suitable for China's national conditions. We can not only use the existing resources to mobilize the enthusiasm of commercial banks, but also improve the acceptance of digital currency without any problem
2. Shanzhai coin is called Shanzhai coin because it has many similarities with mainstream coin in technical mode. Shanzhai coin also has its own real project, which is based on the underlying technology of blockchain and is implemented according to the plan of its white paper. The common counterfeit coins are EOS and BTM
3. Generally speaking, there is only one white paper that looks very strong. However, in the actual development, there may not be any procts or business landing. People just want to make money. However, the current laws and regulations have no way to take it, using formal means to achieve the goal of money. Hero chain, superstar, space chain and so on Welcome to the previous articles of chain horse: it has dropped from 2.6 yuan to 0.1449 yuan, breaking 18 times in six months, and the routine of air currency can't be prevented)
4. MLM currency, in the name of blockchain, has nothing to do with blockchain. The currency he issued can't be found on the Internet, and it's completely internal control. Usually, people will build their own trading platform, and then the K-line of the coin will always rise, telling investors that our future value will exceed bitcoin.
at present, virtual currency only has the value of speculation and collection, and there are not many real instries that accept virtual currency payment
Mobile payment means that mobile clients use electronic procts such as mobile phones to make e-money payment. Mobile payment creates a new payment method and makes e-money popular. Because of the advantages of convenient and fast payment, eliminating counterfeit money, no change and so on, it is loved by many people< The Ministry of Commerce issued the "overall plan for the pilot project of deepening the innovation and development of service trade in China", and officially announced that the number of digital currency has expanded from the original 4 pilot cities to 28 , which means that digital currency is coming towards us. The same virtual currency and bitcoin, so these virtual currency can replace the status of paper money
Therefore, it is essentially no different from the paper currency RMB, and will not be wildly hyped like bitcoin. In a short period of time, virtual currency can not completely replace traditional currency. There are mainly two constraints: the first is the user's will, not everyone is used to this payment method; the second is the satisfaction of technical conditions, because the speed of transaction payment is mainly limited by the technical realization, and the goal of digital currency is only to replace part of the cash in circulation. So for a long time, it should be used in parallel with banknotesAt present, the average price of a big Mac commemorative coin on Taobao and Xianyu has exceeded 100 yuan, and the price of a set of 5 coins ranges from 600 to 3000 yuan. According to the criteria of "the highest sales volume", the first seller is an idle fish seller published in Lanzhou. The price is 850 yuan per set. There are many people below who ask and intend to take pictures
the other delivery place is the Taobao store of "McDonald's toy head office" in Shanghai, which sells for 800 yuan per set. It shows that 18 people have paid, and the monthly sales have reached 32. Its customer service said to reporters that they directly order with McDonald's restaurant, do not worry about shortage and quality problems. In a shop specializing in coins, the shop even said that McDonald's commemorative coins are only given but not sold, and only one will be given when the consumption reaches 2000 yuan. This means that if you want to collect a set of five pieces, you need to spend at least 10000 yuan
in fact, as early as the end of July, there was a media report that McDonald's would launch maccoin, which first aroused discussion in the blockchain community and the currency circle. But then McDonald's official statement, Big Mac commemorative coin no cash value, also different from digital currency, is physical
On August 3, McDonald's China officially announced the simultaneous release of maccoons with the world, with more than 6.2 million maccoons issued in more than 50 countries and regions around the world, while the mainland of China will send more than 1 million maccoons. According to the official introction, maccoin is the world's first collection currency with food as credit support. It has no cash value and can be used by consumers to share and collect. It can also be exchanged for a big Mac in McDonald's restaurant for free before December 31, 2018according to the unit price of 21 yuan of Big Mac hamburger, the commemorative coin has increased at least five times. The reporter noticed that because it was delivered on August 6, many restaurants had finished delivering on that day. A McDonald's employee also told reporters on the 7th: "just yesterday, it's over." Perhaps this also boosted the online "speculation" storm
after the commemorative coin became popular on the Internet, the reporter contacted McDonald's, but the other side said that they did not intend to respond to the incident. Zhu danpeng, an analyst of China's food instry, told reporters that McDonald's introction of Big Mac money actually caters to the strange pursuit of the new generation of "money". This approach can bind the new generation of consumers' stickiness and attention to the McDonald's brand. From the perspective of marketing, this wave of hot spots is good
however, since there is no cash value and the circulation of 1 million pieces is not small, is the Big Mac really worth paying a high price to collect? Zhu danpeng said that it has collection value in terms of stage, but what is its bargaining power after collection? At present, the phenomenon of "currency speculation" on the Internet is only hot for a while