Alipay doesn't pay for digital money
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
in the world, bitcoin is probably the most famous digital currency, in addition to "Wright coin", "Dog Coin" and "Yuan Bao coin" in China
however, there is no centralized issuer for these digital currencies, and anyone is likely to participate in the manufacturing and global circulation. The digital currency of the central bank is the legal currency issued by the central bank, encrypted and supported by national credit. It is understood that at present, the research and development of the prototype system of legal digital currency is in progress. As for when China's legal digital currency will be launched, there is no timetable.
digital currency compares with Alipay: digital currency is equivalent to RMB with legal compensation. Digital currency is more perfect and convenient01 and the central bank say there is no competition between digital money and Alipay. p> On October 12, digital currency was tried in a district of Shenzhen. It is precisely because of this that digital currency officially came into people's sight. Digital currency has appeared before, but it is not digital RMB, but in other ways
many people speculate whether the arrival of digital money will have an impact on WeChat and Alipay payment. Mu Changchun, director of the digital Monetary Research Institute of the Chinese people's Bank of China, on 25 June, said that there was no competition between digital money and Alipay 10.
but if the transaction amount is relatively large, it needs identity verification , and it is more secure, for every money, the central bank can find out where it is going, know who the other party is , and put an end to some unidentified transactions and some scams
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
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