Pedestrian digital currency and Alipay

1. digital currency generally refers to bitcoin, Puyin, Leyte, dogcoin and other encrypted digital currencies
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.

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. Alipay is the way of electronic payment. The money used in the transaction is from bank account. That is to say, the money in Alipay actually corresponds to a banknote, and the digital money is money. Jinfu fortune editor thinks that in the actual use experience, digital currency may feel similar to electronic payment, but there is still a big difference between them in essence.

4.

On October 8, Shenzhen Municipal People's government and the people's Bank of China jointly launched a pilot project of digital RMB red envelope

after the news was sent out, it has aroused warm repercussions from all walks of life across the country. At this stage, people are most concerned about the impact of digital RMB on our daily life? Will it replace Alipay and WeChat? Due to the lack of introction and promotion of digital RMB by authoritative institutions, the citizens and businesses participating in the activities also have many questions about digital RMB. According to the official announcement, the red envelope activity of digital RMB is a routine test in the process of digital RMB research and development. It can be seen that there is still a certain distance from the official implementation of digital RMB

5.

China, as a global mobile payment power, Alipay and WeChat have long been a national payment method. It is almost no need to carry a wallet now. Shopping just sweeps away, does not need purse, do not change, really feel the convenience, and whether it is Alipay or WeChat payment, the experience is very good. p> The DCEP, which will be launched by the central bank at the end of this year, indicates that the replacement of paper money is inevitable. So, will WeChat and Alipay be terminated? What's the difference between them

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you can imagine such a scene: as long as you and I have DCEP digital wallets on mobile phones, we don't even need the network. As long as the mobile phone has power, two mobile phones touch each other, and we can transfer the digital currency in one person's digital wallet to another person

four, WeChat and Alipay must first bind the bank card, then pay the with Alipay or WeChat payment code. DCEP doesn't need to be bound to a bank account. The transfer between users is independent of the bank account. This is the same as bitcoin and other digital currencies. As long as you have a digital wallet of DCEP, you can scan the code to pay

in fact, DCEP and WeChat pay, Alipay is very similar in the payment scenario, and the experience is expected to be very similar in the future. In the future, as long as electronic payment can be used, there will be digital payment ports of the central bank

so, for the common people, with DCEP, you just have a more payment method, as if mobile payment had Alipay first, and you could also pay WeChat. Use whatever is convenient. However, the emergence of digital money will also be a part of WeChat's payments and Alipay's share of 90%+, which now occupies the mobile payment market share. p>

6.

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