Is digital currency still useful
the central bank's version of digital currency will first be applied to the bill market. The central bank's version of digital currency has the property of currency and has the credit endorsement of the central bank
recently, Puyin group also launched the tea based digital currency Puyin. Puyin is a high-quality Tibetan tea asset that is stored, identified, evaluated and authorized by three parties, and a standard digital currency issued by encryption and digitization.
In fact, it has to be said that in terms of the current social development, digital currency may indeed replace paper money in the future, but for us, paper money still plays an irreplaceable role, just because of this, it will not disappear completely. In some sense, the diversification of payment forms is more concive to improving people's quality of life, So just because of this, we can look at the problem from the following aspects{ RRRRR}
3. At present, people of all ages use different payment methods. Because of this, paper money will still become the general payment method of the older generation, so it will not disappear completely in the short term.in fact, it has to be said that for the elderly, because of the lack of understanding of mobile payment, Even if digital currency can be used in the future, most of the elderly will rely more on the traditional payment method of paper money. Therefore, for us, even if mobile payment rises in the future, the paper money will not disappear completely.
in fact, we have to say that at present, with the rise of mobile payment, the circulation of paper money will become smaller and smaller, With the rise of digital currency, this phenomenon will be exacerbated, but the paper money itself plays an irreplaceable role, so it is precisely because of this that most elderly people will choose the traditional way, so in the short term and even in the long term, the paper money will not disappear forever
After the implementation of digital RMB, banknotes will continue to be used, which is not in conflict. It's not as much trouble as people think, but it just makes it more convenient for people to use money in their daily life{ RRRRR}
Third, the benefits of digital RMBand digital RMB can greatly shorten the currency time, enable the currency to circulate to the market more quickly, and also subvert the traditional channel for banks to transport money< and it can accurately and quickly capture all kinds of data, so the country is very cautious about the digital RMB test, and also wants to launch a more secure and convenient technical solution
After the RMB cash is electronic, there will certainly be banknotes in circulation in the future, because not all places can use electronic things. In addition, it takes a long time for many places to popularize the electronization. For example, it is difficult to realize the electronization of RMB cash in the poor mountain Dalin, because they don't even have mobile phones. It will take a long time to promote this process. Therefore, cash notes are very necessary at this stage and in the long time to come
the circulation of paper money is the foundation of national goods circulation, so paper money can not be completely replaced by electronic money. But e-money is not without its advantages, the advantage of e-money is very convenient, especially for young people who use mobile phones more frequently nowadays, e-payment is safer and more convenient than carrying cash. And electronic money can be very intuitive to see how much money you still have, so you don't have to count paper money