Cloud wallet and central bank digital currency
It doesn't matter
the central bank's digital currency is digital RMB, which is issued by the people's Bank of China. On March 9, 2018, Zhou Xiaochuan, then governor of the central bank, officially disclosed the name of the legal digital currency being developed as DCEP at a press conference
DCEP is the abbreviation of digital currency electronic payment. This means that the central bank's digital currency will have the al functions of legal currency and electronic payment at the same time In September 2013, the Ministry of Public Security announced 10 typical pyramid selling cases, among which "Cloud Data Trade" is a large-scale pyramid selling mode in China
extended data:
specifically, the characteristics of DCEP are mainly reflected in finance and technology
1. As far as its financial characteristics are concerned, the functions and attributes of the central bank's digital currency are exactly the same as those of the RMB paper currency, which is only a digital version of the paper currency. This shows that digital currency is legal tender, and it depends on national credit to maintain the circulation system of digital currency. Mu Changchun, director of the digital currency Research Institute of the central bank, clearly pointed out that DCEP "is a digital payment tool with value characteristics"
In economics, M0 is often used to refer to the cash circulating outside the banking system. The central bank's positioning of DCEP is to replace M0, that is, to replace cash2. In terms of technical features, the digital currency of the central bank has not fully adopted the blockchain technology. The blockchain research group of the digital currency Research Institute of the people's Bank of China has pointed out in a paper that the processing efficiency of the blockchain system needs to be improved. The encrypted assets based on this technology can not guarantee the stability of its anchored assets. At the same time, its decentralization also conflicts with the central bank's centralized management requirements
however, it is said that digital currency draws lessons from some of these technical concepts, such as asymmetric encryption, smart contract and so on. The new cryptocurrency system has the advantages of security, controllable anonymity and unforgeability, which makes up for the problems of high cost, difficult tracking and large counterfeiting
- what's the purpose of playing bitcoin
you will give 100 reasons, but the real purpose of most people is only two words: to make money<
only a few people participated in the early stage. They felt that the financial system of Wall Street was stealing itself, which triggered the subprime mortgage crisis and made Americans pay for the greed of Wall Street. As a result, they have developed a machine accounting system that is separate from the Wall Street accounting system. In other words, people who are not for the purpose of making money (early BTC players, positioned as competitors on Wall Street) have gained economic freedom. The purpose of the late participants is to make money. As a result, most of them lose money
- why do those who hope to make money lose money, while those who do not hope to make money make a lot of money instead
reference answer: the choice of competitors determines your position
others take Wall Street as their competitors and are at the top of the tower. Wall Street and the new financial promoters are at war, and pawns are injured<
- the competitor of cloud wallet is the Federal Reserve, and its bookkeeping logic is the same as that of the Federal Reserve
the bookkeeping logic of the Federal Reserve: Liabilities of others = assets of self, and all creditors' assets are paid by corresponding debtors
the accounting logic of cloud Wallet: Liabilities of public network = human assets = future services provided by public network = AIC. Similarly, all creditors' assets are paid by corresponding public network
blockchain and bitcoin, compared with the accounting system with the Federal Reserve as the core, are just like mountain bandits. People who get rights don't want to take on obligations. Each blockchain has its own way, and there are many factions in the mountain
cloud wallet is a regular army model, which relies on the efficiency advantages of accounting system and public network to expose the inefficiency and corruption of the US dollar system
cloud wallet has seven software engineers at present, and only 700 software engineers will be needed in the future to meet all the needs of global bookkeeping, trading and settlement. This efficiency is more than 3 million times higher than that of the Federal Reserve's bookkeeping system, which is maintained by hundreds of millions of financial practitioners. Cloud wallet is to give the right of choice to human beings. When human beings choose cloud wallet, the 20 trillion interest difference saved each year is the value created by everyone's leisure time. It is also the basic value of AIC
- in the cloud wallet system, you are a general and the public network is a pawn; In the blockchain system, you are a pawn, and the early players are generals.
- in the cloud wallet system, everyone can transform labor, proction capacity and services into super capital without legal money. In the blockchain system, there must be a large number of leeks.
- in the cloud wallet system, the world factory can be directly transformed into the wealth of the Chinese people, The world factory is not worth money at all
- the cloud wallet framework can hold the whole world, including the people behind the Federal Reserve and wall street; In the framework of blockchain, most people can only be reced to leeks
- cloud wallet framework, which takes time back to 2009, so that everyone can dig out the equivalent of bitcoin (gold stock) with their own leisure time and intelligence
- the general is up, the pawn is down! What is your choice?
It is not currently available
at present, the Central Bank of China has not issued and approved the digital currency of issuers and investors
However, at the beginning of the year, the central bank held a seminar on digital currency, at which it made it clear that it was necessary to issue digital currency as soon as possible, and the central bank put the issue of digital currency on the agendahowever, so far, the central bank has not issued any digital currency, and Zhou Xiaochuan, the governor of the central bank, said that the time is not ripe to issue digital currency. Moreover, the digital currency issued by the central bank is different from bitcoin, Ruitai, Laite and other digital cryptocurrencies, and the digital currency issued by the central bank is not decentralized
when the central bank issues digital currency, it needs to establish a basic digital currency system. In this system, the central bank is in charge of the digital currency issuing bank, the commercial bank is in charge of the bank, and the public and indivials hold digital wallets. This is not much different from the existing monetary system in essence, but the managed currency is changed from paper money to digital cryptocurrency
in terms of issuing mechanism, there are two modes:
one is the traditional mode of "central bank commercial bank", that is, the central bank issues digital currency from the issuing bank of the central bank to the Bank of the commercial bank. When an indivial withdraws money from the commercial bank, the digital currency is transferred from the commercial bank to the personal digital wallet
another mode is the "central bank public" mode, that is, the central bank can directly issue digital currency from the currency issuing bank to the digital wallet of the public and indivials. In essence, no matter which issuing mode, money is ultimately held by the public, which is the debt of the central bank to the public
cloud wallet is not a fraud, but a formal group open innovation platform controlled by the whole people
initiated by Mr. Gao Jinbo, author of smart society, cloud wallet launched procts for enterprises and merchants at the end of 2015. At the end of 2017, cloud wallet developed procts for C-end users and officially launched them in early May 2018 P>
cloud wallet (network mobile cloud wallet) includes the original "BaiPay" personal version and mobile payment procts (network wallet SDK number entertainment edition, H5 version, light Alipay and other mobile payment procts). In October 28th, "fortune day" (the first online financial innovation proct online memorial day) was officially renamed "network wallet". p>
as the first innovative technology platform in the whole country, cloud wallet takes "group open innovation" as its purpose. Registered users become shareholders, obtain equity, and participate in innovation projects in all platforms
extended data:
mode of cloud Wallet:
1. Users complete the assembly first, attract technology, talents and resources with definite orders, actively bid and subcontract all links
2. Consumption = consumption investment → proct + equity
3. User aggregation is the determinant of innovation, the biggest contributor, and should enjoy the most equity incentive
judging by the simplest common sense, Ta does not explain where the root of wealth appreciation comes from! This makes it easy for readers to doubt the starting point of their app. In the app and lectures, it has never been explained how his special company makes profits? His assumption obviously lacks the support of examples. He repeatedly arranges it in the back and forth assumption, so that he neglects what important link, even he himself is not clear
after reading the book intelligent society, the author said that the so-called intelligent society is just a cover. His real purpose is just to the model of father Ma and enlarge it. The author of the book has put all kinds of names on this model, and even promoted it to the height of the national fzzc, establishing the so-called public network e-commerce platform, holding shares by the whole people, establishing the right of taking delivery of Yun wallet, gold stock AIC and so on, and boasting that this solution can fundamentally solve the problems of social debt crisis, financial crisis and economic crisis, And create some new names to replace the original name, so that the similar horse father model becomes its own invention through name modification
again, in the app and lectures, it has never been explained how his special company is making profits? His assumption obviously lacks the support of examples. He repeatedly arranges the assumptions back and forth in his expression, so that he neglects what important links. I'm afraid even he doesn't know. In reality, everyone's holding shares is a false proposition. Everyone is a shareholder, and who makes money? When the circle is over, the platform will be closed. Are there still few people cheated? Think about it in your head
I recommend a link: government information disclosure directory of Shaoguan Financial Work Bureau
risk reminder letter about "cloud wallet" and other suspected illegal fund-raising fraud
details -- Gao Jinbo's whole idea of delivery right of cloud wallet is actually to integrate various tokens of all e-commerce platforms into a general delivery right, namely general token. This kind of token can be used in various e-commerce platforms, and a special company (delivery right bank) is in charge of this kind of token circulation
however, Gao Jinbo has never explained how this special company will make profits? His assumption obviously lacks the support of examples. He repeatedly arranges it in the back and forth assumption, so that he neglects what important link, even he himself is not clear. And this is often the taboo of the designers of the system division of labor. Because a small oversight in the system may lead to the effect of bringing disaster to the country and the people. It's just as serious as a small fault of an airplane can cause the airplane to lose control and crash. Therefore, the issue of system is not only a scientific one, but also an extremely serious one
what is the right of delivery? Gao Jinbo gives an example to explain: "the stored value in Carrefour's shopping card is not RMB, but Carrefour's right to take delivery of goods."
"the value stored in PetroChina's refueling card is not RMB, but PetroChina's right to take delivery of the goods."
"the delivery voucher of Nongfu Shanquan is not RMB, but the delivery right of Nongfu Shanquan."
"Tencent's Q currency is not RMB, but Tencent's right of delivery."
"the essence of the right of delivery is a kind of supply capacity, and China is the world factory. It has super abundant supply capacity and delivery right investment capacity in all fields. "
comments:
GAO Jinbo's explanation of the above examples is problematic. Why? For example, the stored value in Carrefour's shopping card is the stored value generated after the shopping card users recharge with RMB, which is the same with PetroChina's gas card and Tencent's q-coin. You say it's not RMB, but it's the stored value of RMB prepaid by users. Although these companies use token to obtain RMB advance payment, they all aim to obtain RMB income rather than token. The token in the hands of consumers is used as RMB. If the company sells goods and takes back the token, it will be a useless symbol. The essence of this token exchange is that the responsible company is fulfilling its promise
Why do you say that? Because the token is only a special certificate issued by the responsible company, the shopping card user is the token in exchange for real gold and silver, and the responsible company must fulfill its promise and be responsible for the token certificate issued by itself. After the shopping card users use the token in the responsible company's shop, the token becomes the income of the responsible company, which is a useless symbol. Therefore, the token has only one-time effective function
it is obvious that Gao Jinbo lacks the most basic research and understanding of the causality of the token system of these companies, and it is wrong to directly understand the token as the nature of RMB. If we don't understand the most basic causality of token and push forward the theory, even if the theory goes further, it will be 100% deception<
GAO Jinbo also said: "invest with the right to take delivery of goods, pay with goods, and lead by real enterprises."
"it is a financial singularity to invest with the right of delivery. Because made in China has an unlimited number of exclusive delivery rights that it hopes to sell. Assuming that made in China invests in a new retail platform with exclusive picking rights based on last year's revenue, only China's top 500 enterprises can invest 64 trillion in exclusive picking rights. The investment will change the ownership of the delivery right, and the 64 trillion delivery right belonging to the retail platform will be changed from exclusive use to universal use. The 64 trillion general delivery right is divided into two parts: 90% is directly allocated to investment enterprises; 10% will be invested in the fields of Dutch three-dimensional agriculture, intelligent transportation, robotics, artificial intelligence, intelligent medical care, prefabricated villas, etc., which will enable traditional enterprises and innovative enterprises to achieve a win-win situation. Traditional enterprises can share the future growth space by investing in innovative projects; Innovation projects can get abundant funds, focus on technology, R & D and proction, rather than obsessed with marketing and marketing. Of course, in addition to the top 500 enterprises, other reputable enterprises can also invest with the right to take delivery of goods to obtain the general right to take delivery of goods and equity. The reason for all enterprises to choose: there is no difference between the payment ability of general delivery right and RMB, and the completion of delivery right investment is equal to the completion of pre-sale. With no cost of prepayment investment will rapidly expand the rights and interests of their own enterprises. "
comments:
according to Gao Jinbo's explanation, we can basically conclude that Gao Jinbo is only an absolute layman for the token system, a typical short-circuit idea, and he dares to think
for example, Gao Jinbo said, "only China's top 500 enterprises can invest 64 trillion yuan in exclusive delivery rights.". Gao Jinbo said this kind of special right of delivery refers to the token of each of the top 500 enterprises. Can 64 trillion token be used for investment? What does it mean for Fortune 500 companies to take out 64 trillion tokens? It means that the top 500 enterprises donated 64 trillion worth of materials for free. This is killing the Fortune 500 enterprises
of course, if a special company can take out RMB 64 trillion to buy the 64 trillion tokens of the top 500 companies, then the top 500 companies have the obligation to be responsible for the tokens they issue, and they must promise to meet the 64 trillion worth of materials needed by the special companies in the next few years. And special companies are just consumers of shopping cards used by Fortune 500 companies. This is the causality of the token system
Mr. Gao Jinbo's unrealistic fantasy is that special companies dream of dominating the top 500 enterprises with general token (General delivery right). Universal token is not allowed, because RMB is the universal currency
If a special company has 64 trillion RMB, what can it do? Do you have to buy the token of Fortune 500
to ask the top 500 enterprises to take out 64 trillion tokens without any reason, do you really think that the top 500 enterprises can print tokens indiscriminately? Do you know that the 64 trillion token of 500 enterprises means that the top 500 enterprises contribute 64 trillion worth of materials? Without material cash, who is responsible for the effective use of 64 trillion tokens
if there is such a big mistake at such a crucial point, then all Mr. Gao Jinbo's theoretical assumptions about the right to take delivery of cloud wallet will collapse. Stop there. Don't waste your time and others' time on the right of delivery!
Expose the fraud of public network cloud wallet (absurd theoretical basis and logic)
1. What is the infrastructure of mobile Internet—— Regardless of the conventional Internet and mobile Internet, the hardware infrastructure of the Internet is a physical network composed of servers, base stations, signal towers, optical cables, etc; The software infrastructure of the Internet is the protocol to control the normal operation of the network (now upgrading from IPv4 to IPv6), a variety of software layer by layer and so on. If the network wants to run normally, it needs management and operation and maintenance personnel, upgrade and maintenance, power consumption and energy consumption, and continuous capital investment. To say that mobile phones are infrastructure is to deliberately confuse the public and confuse the concept. If smart phones are the infrastructure of mobile Internet, what can mobile phones do without the operation of the hardware and software mentioned above? It's no use! Mobile phones are just terminals that access the Internet. The mobile phone is in arrears, the signal is broken, there is no service, the mobile phone becomes a brick
What are the raw materials of big data and artificial intelligence(1) raw materials of big data: your leisure time is absolutely not! The useful information you generate in the process of using the Internet can only be used as a very small part of the raw materials of big data. Because a large amount of useful information needs to be analyzed, processed and integrated by professionals in order to enrich into the big data application platform. Moreover, the application of big data is an efficient, convenient and accurate tool. The state is promoting it, which is concive to social development and people's life, rather than seizing the job! Now we use big data to investigate and solve cases. Has it taken the job of the police? Big data is used to analyze the economic trend, epidemic situation, disease prevention and disease resistance, early cancer screening and so on. Whose job has it taken
(2) Artificial Intelligence: artificial intelligence is advocated by the state (as shown in the figure). If it makes the society into crisis, why does the state advocate it?! Isn't that contradictory? For China, as we all know, the development of artificial intelligence is a historic strategic opportunity, which is very important to alleviate the challenges of sustainable development in the future and promote the transformation and upgrading of economic structure. At the same time, don't think that artificial intelligence is equal to robot. In the global instrial revolution, the essence of intelligent manufacturing is the deep integration of instrialization and informatization. Intelligent machine (robot) is only one aspect of intelligent manufacturing. Intelligent manufacturing is the integration of intelligent R & D, intelligent proction, intelligent marketing, intelligent service and intelligent management. The development of artificial intelligence depends on the research and development of science and technology and the progress of technology. In your leisure time, what do you contribute to big data and artificial intelligence by sitting at home and playing useless information such as chatting, games and watching movies Egg
if you don't understand big data and AI, please read popular science by yourself. Now, artificial intelligence disciplines and majors are set up in universities, which is in line with the development and progress of the times and society. It is a new direction of scientific and technological development, and is vigorously developing and popularizing throughout the country
The correct point of view is that: the development of society is becoming more and more intelligent, we need to have more relevant employees, and update and adjust the occupational structure of the employees. Moreover, the development of artificial intelligence is not the narrow idea that robots simply crowd out workers. Modern people should look far and have the view of developing with the times. The progress of human science and technology is that people lead artificial intelligence to better serve people and create a better life (green, healthy, energy-saving and efficient). Just like the instrial revolution in Europe in the 18th century, machines replaced human resources, and large-scale factory proction replaced manual proction in indivial workshops. In other words, machines crowded out workers, laid off workers and lost their sources of livelihood. For the time being, it was harmful to people, but from the long-term perspective of historical development, it has absolutely proved that it was beneficial to the development of human society. At the same time, referring to the view of harmonious society, starting from the essence of science and technology, taking human as the yardstick, taking people as the foundation and benefiting human beings are the value benchmark of science and technologyin a word, the two viewpoints 1 and 2 proposed in the figure are both pseudo propositions and pseudo concepts, and the third point is untenable. 99% of our descendants have become useless. This is alarmist and demagogic. People can't help but wonder if there is some ugly intention in it
this kind of trick is very easy to understand. By borrowing some concepts that seem reasonable on the surface, but are actually fallacious, it creates crisis and panic among people with weak thinking ability, so that they can be brainwashed into believing in witchcraft, and then act as saviors themselves, so as to achieve the goal of not telling others. I'll tell you that your family is suffering from bloodshed. The magic wands and swindlers that I have channels to resolve are all such tricks. Now, we have found a group of swindlers who clamour about the threat of new technology and sell fake concepts such as the right to take delivery of goods and gold stocks. They are just fishing for big fish in the long run To be continued)