How to create virtual currency by third party payment

3. This is actually very simple. There are many third-party bitcoin payment processing companies at home and abroad, such as bitpay and coinbase. Let's take coinbase as an example:
first of all, websites that accept bitcoin payment need to cooperate with coinbase. There is an account on it. When a buyer uses bitcoin to pay, these coins will be automatically transferred to the account of the platform, which can be sold directly according to the market price, and the platform can directly transfer the exchanged legal currency to the merchant. In short, bitcoin is just an intermediary, and businesses still accept legal money
other digital currencies can do the same, such as Swiss Thai dollar, thousand gold card and so on. However, the price of these digital currencies is not very stable, and the risk of merchants accepting digital currency payment is relatively high.

4. Currency devaluation (also known as currency devaluation) is the symmetry of currency appreciation. It refers to the decline of the value contained in or represented by unit currency, that is, the decline of unit currency price. Currency devaluation can be understood from different perspectives
from the domestic point of view, currency devaluation under the metal currency system refers to the measures to rece the legal metal content of the domestic currency and its price to metal ratio, so as to rece the value of the domestic currency; In modern paper currency system, currency devaluation refers to the decline of the value of paper currency when the quantity of paper currency in circulation exceeds the demand for money
from an international point of view, the value of a currency is expressed as the exchange capacity with foreign currencies, which is reflected in the change of exchange rate. At this time, currency devaluation refers to the decrease of the exchange capacity of a unit of domestic currency to foreign currencies and the decrease of the foreign exchange rate of domestic currency. For example, if 100 US dollars were exchanged for 300 RMB last year and 400 RMB this year, the RMB will depreciate. The devaluation of currency causes the rise of price in China. However, currency devaluation can stimulate proction under certain conditions, and rece the price of domestic goods abroad, which is concive to expanding exports and recing imports. Therefore, after the Second World War, many countries used it as a means of anti economic crisis and stimulating economic development.

5. It is legal for virtual currency to appear in the form of points, but it cannot be used as currency. It is illegal to use it as currency
sand coin is a kind of virtual currency integral, which is generally developed in China and not very successful.

6. Your problem is really not clear in one or two sentences. It's enough to be a third-party payment platform. The key is that the system you make is not mature and can not accept the test of the market. The best way is to find a more mature payment platform to cooperate and start first

7. (1) a limited liability company or joint stock limited company legally established within the territory of the people's Republic of China and a non-financial institution legal person< (2) there is a minimum amount of registered capital in line with the provisions of these measures. If the applicant intends to engage in payment business nationwide, the minimum registered capital shall be 100 million yuan; The minimum amount of registered capital of those who intend to engage in payment business within the province (autonomous region or municipality directly under the central government) is 30 million yuan. The minimum amount of registered capital is the paid in monetary capital< (3) there are investors who meet the requirements of these measures. The main investors of the applicant, including the investors who have the actual control right of the applicant and the investors who hold more than 10% of the equity of the applicant, shall meet the following conditions: it is a limited liability company or a joint stock limited company established according to law; As of the application date, it has continuously provided information processing support services for financial institutions for more than 2 years, or for e-commerce activities for more than 2 years; As of the application date, it has made profits for more than 2 years in a row; In the past three years, he has not been punished for using payment business to carry out illegal and criminal activities or handling payment business for illegal and criminal activities< (4) there are more than 5 senior managers who are familiar with payment business. Senior management personnel include general manager, deputy general manager, financial director, technical director or personnel who actually perform the above ties, and must have bachelor degree or above or intermediate technical titles in accounting, economics, finance, computer, electronic communication, information security and other majors, and have been engaged in payment and settlement business or financial information processing business for more than 2 years or engaged in accounting, accounting, accounting, accounting, information security, etc More than 3 years working experience in economy, finance, computer, electronic communication and information security< (5) there are anti money laundering measures that meet the requirements. Including anti money laundering internal control, customer identification, suspicious transaction report, customer identity information and transaction record preservation and other measures to prevent money laundering, terrorist financing and other financial crimes< (6) there are payment facilities that meet the requirements. It includes payment business processing system, network communication system and special computer room for the above system< (7) sound organization, internal control system and risk management measures. The organizational structure includes the departments with the functions of compliance management, risk management, fund management and system operation and maintenance< (8) there are business premises and security measures that meet the requirements< (9) the applicant and its senior managers have not been punished for using payment business to carry out illegal and criminal activities or handling payment business for illegal and criminal activities in the past three years<

[origin of third party payment license]
in order to strengthen the supervision of non-financial institutions engaged in payment business, the central bank officially announced the "administrative measures for payment services of non-financial institutions" in June 2010. According to the instructions of the central government, non-financial institutions need to obtain the "payment business license" according to the regulations before they can become Payment institutions to provide payment services The issuance of "payment business license" will give the payment enterprises legal status, so that the third-party payment business can be extended to the financial field with more strict policy supervision and higher professional requirements, such as fund, insurance and other financial services market
then, what is the magical use of third-party payment license? What powerful function does it have to make so many enterprises obsessed with it? What role does it play in the market economy? The following is your secret:
[types of third party payment license]
(1) bank card acquiring
(2) online payment
(3) issuance and acceptance of prepaid card
[functions and business scope of three types of payment license]
first, the simplest and most familiar bank card acquiring license. Bank card acquiring refers to the behavior of collecting monetary funds for bank card merchants through point of sale (POS) terminals. Companies holding bank card acquiring license operate point of sale terminal acquiring business, and there are three major participants in acquiring business: issuing bank, acquiring institution and bank card organization. The business model of acquiring business is: when the cardholder carries out a transaction through POS, the participants of acquiring business will charge a certain handling fee. The standard of service charge is set by the central bank, and the service charge varies according to different instries, ranging from 0.38% to 1.25%. These service charges are the income of the acquiring service participants in the acquiring business
the business scope of online payment license is defined as the transfer of funds between payees and payers through the Internet. Its business scope includes currency exchange, Internet payment, mobile phone payment, fixed phone payment, digital TV payment, etc. Through online payment, online payment service providers can also charge transaction commission, and the commission rate level is equivalent to that of acquiring business
finally, the issue and acceptance of prepaid card. The so-called prepaid card refers to the prepaid value of goods or services issued for profit and purchased outside the issuing institution, including the prepaid card issued in the form of card and password by using magnetic stripe, chip and other technologies
in addition to receiving the same payment service charge as online payment and bill collection, the biggest difference is that prepaid card can realize fund precipitation. The obvious advantage is that prepaid card issuers can earn interest on deposited funds. In addition, prepaid card has a more secret source of income, that is the dead card rate. Dead card is the unused remaining amount in the valid consumption period of prepaid card, which will become the income of prepaid card company. If the dead card income is added, the profit margin of prepaid card is also quite high
the issuance of the third-party payment license allows the electronic payment enterprises to receive the authoritative recognition from the regulatory authorities, standardizes the access threshold for the development of the instry, and provides more convenient, standardized, safe and reliable data support for the selection of agents and cooperative merchants
about POS acquiring business
1. When merchants accept UnionPay cards, they don't need to identify the card issuing institution, they just need to confirm whether the bank card has the (UnionPay) logo
2. UnionPay cards in Hong Kong and Macao are used in the same way as those issued in China, and are completely consistent with those issued in China in terms of (acceptance method), (liquidation process) and (handling charge)
3. For some UnionPay cards issued in Hong Kong and Macao, the text on the card is mainly in English, and merchants should not use the text on the card as the basis to identify whether the card is a wild card
4. When merchants accept UnionPay cards issued in Hong Kong and Macao, whether they are RMB, Hong Kong dollar or Macao dollar cards, the clearing funds they receive are (RMB)
5. After the acceptance of UnionPay cards issued by overseas institutions, the clearing funds received by merchants are all RMB, and the currency exchange work is carried out by (China UnionPay).

8.

It mainly depends on the service fee income, customer provision interest, platform value-added services and so on to make money. The bank also relies on the service charge paid by the third party to make money. The indivial does not have to pay the service charge, because the third party earns the profit and will naturally pay the service charge to the bank

the income source of the third party payment platform:

the traditional income source of the payment instry is the service charge, and its growth mainly depends on the scale effect. Payment service is essentially a channel service, and its essence is the transfer of transaction funds, that is, from cash and cards to smart phones. Under the condition of stable service rate, the payment system does not create more profits

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extended information:

platform and bank earning channels:

1. Online payment

the profit of this service mainly comes from the service charge and the interest income of the reserve account. Generally speaking, the third-party payment platform can only obtain benefits by paying the service charge. If the transaction volume is huge, it will have a large scale of deposited funds, In addition to the interest, it can also negotiate with the bank through the capital advantage to obtain a cheaper payment and transfer channel

The third-party payment can issue or accept prepaid card. Although prepaid card is an auxiliary currency, its profit or business model is similar to group buying. The issuer and the merchant lock in the future revenue in advance by issuing prepaid card, and the user can also get a certain rebate from the merchant, so as to achieve a win-win goal

The third-party platform itself has a strong platform economic attribute, which can supply and demand, and they are interdependent and complementary to the procts and services provided by the platform

source of reference: China economic comparison Net - troubles of third party payment growth: price war upgrade