Online time of 2018 digital currency
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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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
Why has it been so long since digital currency was officially launched in several urban areas? The reason why we haven't seen the official launch time is that the launch of digital currency is not an easy thing. We need to consider a lot of reliable things. Although there are so many pilot cities, we also need to be prepared for some things that will happen after the launch. We can't launch it directly until there is no problem, If we don't know the market situation, it will do any good to China's economic development and even drag down China's economic development. Therefore, even if we have experimented in so many places, I still feel that we need to wait for a period of time to see the specific situation of the market before deciding on digital currency{ RRRRR}
generally speaking, to tell the truth, in order to ensure the safety of everyone and ensure the safety of digital RMB, we will choose to postpone the time to check all the errors and solve the difficulties, so as to have a deterrent effect. These problems have appeared in the process of promoting central digital RMB, So many experts need to solve this problem on digital RMB, so they didn't tell the official launch time