When does digital currency open
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions, and it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.
response time: July 14, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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Zhou Xiaochuan pointed out that as legal tender, digital currency must be issued by the central bank. The issue, circulation and transaction of digital currency should follow the idea of integration of traditional currency and digital currency, and implement the same principle of management. That is to say, q-coin and the like are definitely not good
as for whether to use blockchain technology to create digital currency. Zhou Xiaochuan said that the blockchain technology is an optional technology, but so far, the blockchain still occupies too many resources. Whether it is computing resources or storage resources, it can't cope with the current transaction scale, and whether it can be solved in the future depends on it. Zhou Xiaochuan said that in addition to blockchain technology, the digital currency research team of the people's Bank of China has also concted in-depth research on other related technologies involved in digital currency, such as mobile payment, trusted and controllable cloud computing, cryptographic algorithm, security chip, etc
in addition, Zhou Xiaochuan also mentioned that there is a lot of discussion about "51% attack" (assuming that indivials have 51% of the computing speed of the whole network, they can realize double payment, reverse transactions, paralyze the whole network, and completely lose the transfer function). More specifically, compared with the special currency, bitcoin does not need the central bank. Zhou Xiaochuan mentioned that for the digital currency controlled by the central bank, a series of technical means, mechanism design and laws and regulations will be adopted to ensure the security of the digital currency operation system, which is different from the design idea of bitcoin from the beginning
as for the digital currency timetable, Zhou Xiaochuan said that there is no established timetable. The relationship between digital currency and cash will be parallel and graally replaced for quite a long time. For reference.
in its Research Report on CBDC, the Bank of England defines central bank digital currency as an electronic form of central bank currency, which can be used by households and businesses to make payments and store value
the Chinese version of CBDC is described as a controllable anonymous payment tool, which is issued by the people's Bank of China, operated by designated operating institutions and exchanged to the public, based on the generalized account system, supports the loose coupling function of bank accounts, is equivalent to banknotes and coins, and has value characteristics and legal compensation
what we call DC / EP is the Chinese version of the central bank's digital currency, translated as "digital currency and electronic payment instruments"
response time: October 26, 2020. Please refer to the official website of Ping An Bank for the latest business changes
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In a sense, it can really be compared with gold. But bitcoin is a deflationary currency, which makes it somewhat similar to gold. The new gold g every year in the world is far behind the expansion of economic scale, let alone the circulation of legal currency. Therefore, the continuous appreciation of gold can also be seen as the continuous depreciation of legal currency relative to gold
however, in the recent global economic turmoil, when the stock price and oil price fell sharply, we found that the market's safe haven funds did not flow to bitcoin, the price of bitcoin fell sharply, but the price of gold was very strong
this shows that bitcoin as & lt; Digital Gold & quot; This status has not been recognized by the global mainstream. Because the price of bitcoin is the result of the game in the global market, a small number of determined users actually have no effect on the price of bitcoin. In my opinion, the mainstream market does not recognize the hedging property of bitcoin, which just shows that bitcoin has huge risks
I think the biggest risk of bitcoin in the future is not quantum computer cracking encryption algorithm, because this risk is graally accumulated, and only need to replace the existing algorithm with more advanced anti quantum encryption algorithm. This is a normal technology upgrade, and does not affect the value of bitcoin
the biggest risk of bitcoin comes from its consensus, that is, the constant total amount of 21 million is actually realized through code, and the logic of halving every four years is also realized through code. If the upper limit of 21 million is cancelled in the future, for example, it will not be halved after this halving (around April 2020), and inflation will continue at a constant rate, that is, changing a few lines of code, It's very simple
seeing this, senior people in the currency circle will certainly laugh at me for worrying about nothing, because if we break the consensus, bitcoin will no longer be bitcoin, it will be worthless
Now the fire of virtual currency is in a mess. Everyone is talking about the blockchain and virtual currency. It feels like they are eliminated without talking about the blockchain. Let's talk about virtual currency today
concept description: calculation force and force are both mining capabilities. Generally, the higher the mining capacity is, the more mines will be g under the same conditions
however, I was also tempted by that sentence: "go to sea in the 1980s, speculate in stocks in the 1990s, and engage in Internet in the 1990s? What opportunities have you missed to get rich overnight over the years? " Many people are afraid to miss the tuyere, in fact, any new things should be treated with a normal mind, should not hold too high requirements
I will first introce several virtual currencies, and analyze whether they are regular or counterfeit through their models
1. Netease Star:
no matter who introces the virtual currency of blockchain, Netease star will be the first choice. Although Netease star has no trading platform and can't trade at present, they are all necessary. Maybe they believe that "Netease procts must be high-quality procts", or I have such an attitude
Netease planet is a virtual currency of blockchain launched by Netease in early 2018
the app of Netease planet is very concise, clean and tidy. It only shows the growing black diamonds. Here is the list of force value and black diamonds. At present, the highest force value is 223, and the highest force value of black diamond is 60
through the above methods, although it can't be 100% identified as counterfeit currency, for your reference, you can't blindly invest because you too much virtual currency, you must have a clear mind
the DCEP issued by the central bank is a digital currency, which is very similar to Alipay and WeChat payment. But it is different from Alipay and WeChat, because it is more like paper money, and the third party can not get the information from both sides of the transaction. It is anonymous and centralization, and the endorsement of the state can be assured.
what is the use of central bank digital currency
from the perspective of the central bank, if the central bank wants to put in funds, it doesn't need these scientific and technological means to trigger conditions at all, it could have done it
for users, they have one more option when paying. Users only need to download the central bank's digital currency wallet app, and then associate with their existing bank accounts to exchange the previous banknotes into the corresponding digital currency
for the current mobile payment, users are still accustomed to using Alipay and WeChat to pay. But how to say? Personally, Alipay was originally a professional payment software, but after all these years of development, the Alipay interface is extremely complex, and the user experience is not very friendly.
as for wechat payment, wechat started from social networking at first, and has evolved from professional social software to comprehensive software in recent years. To put it plainly, whether it is Alipay or WeChat, it seems that it has deviated from its original intention. This may bring opportunities to the central bank's digital currency
when will central bank digital currency become popular
according to the bank, considering that the early digital RMB is only limited to the pilot, it will not be issued in large quantities and promoted comprehensively in the short term, and the speed of currency circulation will also maintain a normal level
many people say that digital money has no effect on Alipay. I beg to differ. As Ma Yun said, sometimes it's just a document that beats you. What is the impact of the central bank's digital currency on Alipay? Let's wait and see.