Does Alipay have a digital currency platform?

1. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, the digital currency may feel similar to the electronic payment method, but the two are essentially different from each other. Now most of the mathematical currency is uploading Alipay account, but it should be noted that the uploaded account number and the payment code must be registered with the name on the same pair, which proves that it is the same person.

2.

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 currency

3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough

3.

Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy

digital currency is an unregulated and digital currency, which is usually issued and managed by developers and accepted and used by members of a specific virtual community. The European Banking authority defines the virtual currency as the digital representation of value, not issued by the central bank or the authorities, nor linked to legal tender. But because it is accepted by the public, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form.

Alipay (China) Network Technology Co., Ltd. is the third party payment platform in China. Committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of procts and services. It has two independent brands: "Alipay" and "Alipay wallet". Since the second quarter of 2014, it has become the largest mobile payment manufacturer in the world

4. Alipay and so on are only electronic payment methods. The money used in the transaction is coming through bank accounts, that is, the money in Alipay actually corresponds to a banknote, and the digital money is money. In the actual use experience, digital money and electronic payment may feel similar, but they are still quite different in essence< In addition, digital currency is different from virtual currency. For example, the well-known Q coin and the money recharged in various games are virtual currency. 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 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.

5. The two are different. Alipay WeChat is the third party payment institution that transfers funds through banks. The RMB is not stored in the mobile phone, nor can it realize offline payment in the true sense. Digital RMB is to digitize the real RMB, store it in the mobile phone, and pay offline like cash; In the final analysis, digital money is money, Alipay and WeChat are a way of payment. Alipay WeChat will not be replaced, but the function of electronic payment will be weakened.
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6. This problem is more complicated! Now technology is developing rapidly! The network is very developed! Digital currency is a must! Like WeChat, Alipay! More and more convenient for people's life! How convenient! fabulous!

7. It is a virtual currency, and Alipay and WeChat will not be abolished, because it first takes the place of all the way of life communication nowadays.

8. Viewpoint: the issue of digital currency will not affect the stock price of ant group. There is no relationship between the two< p> Although digital currency has been reported by many media, most people still don't understand it; Digital currency & quot; What is going on, so there will be a lot of incredible ideas

well, I'll tell you what's going on with the digital currency first. When you understand this, you will understand why the digital currency has nothing to do with the stock price of ant group

However, there is an obvious advantage to trading in digital currency, that is, any illegal trading will be restricted. For example, in some criminal activities in the past, there was no way to limit the cash flow to the market when those criminals used to trade in cash. However, if it is a digital currency transaction, it can be traced back. Therefore, digital currency is also a sharp tool to crack down on crimes