Central banks replace Alipay with digital money
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
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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
at the beginning, when people heard the digital currency, they confused it with Alipay and WeChat. In fact, the digital currency is different from WeChat and Alipay. It is a kind of currency, and WeChat and Alipay are tools of payment, but also a means of payment. Therefore, digital money and Alipay and WeChat are essentially different things. To put it simply, Alipay and WeChat are a kind of purse, which can be paid by recharge, while the digital money is directly paid. p>
digital currency
and Alipay need to complete payment in the case of network, but digital money is different, even if there is no network, the digital money can still complete the payment. Not only that, WeChat and Alipay have "cash withdrawals" services, and cash charges are charged for collecting cash. Each charge is charged at 0.1% of the cash withdrawal amount, but the use of digital money can save part of the service charge. In this way, the use of digital currency can avoid the cost of "cash withdrawal" and save a lot of money for people. Of course, the benefits of digital currency are more than that
digital currency is very different from WeChat and Alipay. There are two ways to use it. One is to pay by mobile phone, the other is by credit card. The process of mobile payment is not difficult. You need to use the software called "digital RMB". When collecting and paying, you just need to slide up payment and down payment. Swiping the card is for the elderly. Although they are not very good at using smart phones, it is more convenient to use the card. You only need to touch the relevant scanning instrument with the card to complete the payment
it should be noted that as digital currency is a new way of payment, it has not been fully promoted. At present, it is only a pilot project in some cities. Last year, Shenzhen, Suzhou, Cheng and xiong'an new area all launched corresponding pilot projects. This year, Shanghai and Beijing also started digital RMB pilot projects. It is understood that today, the total transaction volume of digital RMB has exceeded 1.1 billion
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Central Bank launched TCEP digital currency, just to replace banknotes and coins in circulation, and will not pose a threat to WeChat and Alipay. In short, WeChat and Alipay are "software tools", a convenient "settlement" and "channel" for transshipment and transmission, while digital money and previous traditional currencies are a form and carrier of capital and wealth. There is no conflict between the two
as to whether digital currency Libra will replace traditional currencies such as paper money and coins, it is a historical process. Just like the history of 's Yuan Datou and copper coin replaced by paper money and coins, it is a truth. However, no matter how evolution, digital currency Libra will not replace Alipay and WeChat payment. Just as the UnionPay can't complete the mobile payment function of WeChat and Alipay! p>