Virtual currency third party payment

1.

It is illegal to issue virtual currency privately

According to Article 29 of the regulations of the people's Republic of China on the administration of RMB, no unit or indivial is allowed to print or sell token tickets to replace RMB in circulation on the market

In addition, the "emergency notice of the State Council Office for rectifying unhealthy tendencies in the instry, the State Economic and Trade Commission and the people's Bank of China on prohibiting the issuance and use of various token certificates (cards)" also strictly prohibited similar issues

extended data

virtual currency refers to non real currency. Well known virtual currencies, such as online currency of Internet company, q-coin of Tencent company, q-point and voucher of Shanda company, micro currency launched by Sina (used for micro games, Sina reading, etc.), chivalrous Yuanbao (used for chivalrous road game), silver grain (used for bixue Qingtian game), and popular digital currencies in 2013 include bitcoin, Laite coin, infinite coin, quark coin, zeta coin, etc Barbecue coins, pennies (Internet), invisible gold bars, red coins, prime coins. At present, hundreds of digital currencies are issued all over the world. Popular in the circle & quot; The legend of "bitcoin, Wright silver, infinite copper, pennies aluminum"

market formation

the Internet has led to the emergence of a new market, which is a virtual market based on cyberspace. The Internet provides a lot of communication places for consumers, and also provides business market for enterprises. Enterprises must change from proct centered to service centered to customer centered. With the development of computer artificial intelligence technology and database technology, enterprises can conveniently collect customers' information, understand customers' needs in time, change business strategies and grasp economic arteries in real time

With the rapid development of computer and network communication technology, the application of Internet technology has graally penetrated into various fields of human activities, and the unlimited business opportunities that it contains make businesses turn their eyes to e-commerce. E-commerce is penetrating into all aspects of social and economic life at a speed that people can hardly imagine

the traditional finance is also closely watching this irresistible trend of global economic integration and networking. As a result, value-added services take art as the selling point and can be regarded as commodities; The sword in the game is not a brand-new financial services business philosophy - e-finance came into being

from the historical development process, to understand e-finance, we must start from the electronic finance and e-commerce. The so-called e-financialization means that financial enterprises adopt modern communication, computer, network and other information technology means in addition to Internet technology to improve the work efficiency of traditional financial service business, rece operating costs, realize the automation of financial business processing, informatization of financial enterprise management and scientific decision-making, and provide customers with faster and more convenient services, And then enhance the financial enterprise is the behavior of market competitive advantage

e-finance is a transcendence of financial electronization. Different from the electronic finance, the main technical basis of e-finance operation is the increasingly perfect Internet technology. Due to the characteristics of global connectivity, openness, quickness and low marginal cost of Internet technology, e-finance strengthens the restructuring and innovation of financial services business based on Internet technology, so that customers are free from the restrictions of business hours and places, and enjoy all kinds of high-quality and low-cost services provided by financial enterprises anytime and anywhere

with the development of Internet, the form of money is becoming more virtual, and there is an electronic money that only exists in the form of electronic signal

reference source: Network: virtual currency

2.

Here are some personal experiences in the exchange

(1) the coin search website has the advantages of low service charge, quick withdrawal and multiple currencies. It supports a variety of well-known virtual currency transactions and is convenient to purchase usdt. It has app and high security

(2) kucoin overseas version (coin win background) has smooth interface operation, and the speed of coin withdrawal is not bad, but most of them are junk ICO coins, many names have not been heard of, such as app

(3) China bitcoin overseas version EXX (slow coin withdrawal, kengdai) gambling platform, fixed-point blasting futures pop you up, there seems to be a problem with cash withdrawal, no app

(4) fire coin overseas version, Collude with OK, dozens of junk money a week, no bottom line, many small problems. Support C2C transactions, there are app

(5) okcoin overseas version, this does not say, OK life black, although support C2C transactions, but bottomless line shelf circle coins, flicker leeks, C2C transactions can not be withdrawn, embezzle the user's assets after the decimal point of tens of millions, careful into

(6) BTCC overseas version, support us dollar UnionPay direct charge, but the handling charge is high, it is relatively low-key in China, The experience of the transaction interface is very poor

(7) the overseas version of cloud coin has few currencies and many problems, so it's all warriors

(8) currency security is currently the largest exchange in China, with the most complete currency and many activities. It doesn't card you to withdraw and recharge money. Although there are so many junk money in ICO, it doesn't have as many problems as hot money OK platform. It can be said that it is the best exchange in China. It has app, needs to turn Q, and mobile client doesn't need to turn Q

(9) Yuanbao overseas version has Canadian financial license, legal operation, insufficient depth, small amount of currency, small transaction volume and insufficient UI beautification

(10) in the bitage, the overseas version takes a very long time to review, and it takes you a long time to pick up the coin and issue the coin. The miner's fee used to be a little higher, but now it's just a little higher. 0.5% for recharge, 1% for withdrawal, and the highest withdrawal fee in the whole universe. The garbage made by the K-line chart can't hold on to the ICO coin. At present, this platform can't stand the temptation of interests, and the card is only issued half a day, The trading volume is a little less. At present, I have abandoned this platform

(11) the overseas version of China's bitcoin has just been opened for trading, and C2C trading has a unique qash trading area. There are many small problems, so be careful to enter

3.

In 2013, the people's Bank of China issued the notice on preventing bitcoin risks. Later, it was reported that the people's Bank of China had an interview with more than 10 third-party payment companies, explicitly requiring them not to provide payment and clearing services to bitcoin, lightcoin and other trading websites. The price of bitcoin in China has dropped all the way from about 7000 yuan to 3300 yuan. More analysis says that bitcoin will withdraw from China. Is that true

However, at present, the security risks of bitcoin have not been fully exposed

the overall risk increases

it must be admitted that the government's increased supervision leads to the further increase of the risk of bitcoin trading

moreover, the transaction threshold is obviously higher than before

In essence, as a means of investment, the risk of bitcoin is self-evident. If there is no final person to take over the offer, even if bitcoin is in short supply, it lacks real value and only has limited online use value. If you can't find the last recipient, bitcoin will probably disappear like a bubble. p>

4. What's your husband's idea? If he really wants to do things by himself, he should learn from his uncle and go shopping. At the beginning, he must do more chores, but he should be careful. He should not be willing to do this. He should timely put forward his idea to his uncle and ask to be involved in many aspects of engineering construction, such as procurement, negotiation, acceptance and so on

the roads are all made by yourself and planned by yourself. It is basically impossible to wait for others to plan for you. Your husband must have a heart to start his own business or work with his uncle.

5. 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.

6. Bitcoin
was proposed by Nakamoto on November 1, 2008, and was officially born on January 3, 2009. According to the idea of Nakamoto, the open source software is designed and released, and the P2P network on it is constructed
bitcoin is a virtual encrypted digital currency in the form of P2P. Point to point transmission means a decentralized payment system
unlike all currencies, bitcoin does not rely on a specific currency institution to issue. It is generated by a large number of calculations based on a specific algorithm. Bitcoin economy uses a distributed database composed of many nodes in the whole P2P network to confirm and record all transactions, and uses cryptography design to ensure the security of all aspects of currency circulation
the decentralized nature and algorithm of P2P can ensure that it is impossible to artificially manipulate the value of bitcoin through mass proction. The design based on cryptography can make bitcoin only be transferred or paid by the real owner. This also ensures the anonymity of money ownership and circulation transactions
the biggest difference between bitcoin and other virtual currencies is that the total amount of bitcoin is very limited and it has a strong scarcity
on December 17, 2017, bitcoin reached an all-time high of $19850.

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chipset Description: adopt Intel H61 chipset for error correction
audio chip: integrate Realtek alc887 8-channel sound effect chip for error correction
network card chip: on board Realtek rtl8111e Gigabit network card for error correction

8. Digital RMB sounds like a science fiction concept, but it has quietly become a reality
on the evening of October 8, 2020, the official microblog of Shenzhen Internet Information Office announced that in order to promote the construction of Guangdong, Hong Kong and Macao Dawan District, and in combination with the local consumption promotion policy, Shenzhen Municipal People's government recently launched a pilot project of digital RMB red envelope with the people's Bank of China. This means that the digital RMB in the process of practical application has been an important step forward
when we talk about digital currency, we usually think of bitcoin and other folk currencies based on blockchain technology. But they are essentially different
Yang Jun, a researcher of digital currency, introced to time finance that cryptocurrencies such as bitcoin are basically decentralized and illegal, and have no legal compensation, so there are great risks. The central bank's digital currency, like paper money, is centralized, legal, and has national credit endorsement
from the perspective of usage mode, digital RMB is more similar to the existing third-party mobile payment, but has the advantages of higher credit endorsement, stronger privacy management, more advanced means of payment and so on< According to Yang Jun's analysis, in the future, digital RMB will have a huge impact and challenge on the existing third-party payment means
it can be said that digital RMB "has come out"
for digital RMB, the central bank has long had a layout. In 2016, the central bank established the digital currency Research Institute. At the end of 2017, with the approval of the State Council, the central bank organized some commercial banks and relevant institutions to jointly develop the digital RMB system (DC / EP). In April 2020, digital RMB will be tested for the first time in Shenzhen, Suzhou, xiong'an, Cheng and the future Winter Olympics
Zhang Jinxi, director of Guangdong Creative Economy Research Association and chairman of Yimi Holding Co., Ltd., the initiator of blockchain instrial intelligent park, told time finance that the last closed test was limited in personnel and use scenarios, mainly to test the performance of digital RMB
"the first is the technical feasibility and security, the second is the performance of high-frequency payment and exchange, and the third is the convenience and friendliness of payment." Zhang Jinxi said.

9. The third-party payment platform was first proposed by Ma Yun at the 2005 World Economic Forum in Davos, Switzerland. He said in the meeting that e-commerce should first be secure e-commerce. An e-commerce environment without security guarantee is not really honest and trustworthy. In order to solve the security problem, we must start from the transaction link and thoroughly solve the payment problem
Ma Yun saw that after eBay entered China, C2C might become B2B, so he entered this field; After entering this field, it is found that payment is the core problem that needs to be solved in C2C. Therefore, Alipay has come up with this tool.
1. The third-party payment platform is said to be free of charge
2005 began, people began to notice the words of Ma Yun, there appeared many similar third party payment platform, Alipay as a solution to online transactions payment, from the current situation, in this direction, Alipay is undoubtedly the farthest of all domestic competitors. At present, Taobao is the largest and only free customer of Alipay, and all other online stores in China are Alipay's paid users.
therefore, the third-party payment platform generally charges. In the past, the payment platform of eBay charges, but now in order to compete with Taobao, there is no charge

2
the first way: through continuous cultivation of C2C market, Taobao will start to charge when it is big enough. Now Taobao does not charge. On the one hand, considering that the C2C market is not yet fully mature; On the one hand, they haven't thought about how to charge
second ways: from the commercial point of view, Alipay's profit model has many forms. Its strong platform and strong partners may be the future source of profit. Although Alipay now has a 100 million long fund, it can not form the capital of negotiations relative to the 10 cooperative banks. Future negotiations will inevitably appear in the bank's handling charges and remittance fees. At present, if members of online transactions are in different places, about 1% of the remittance fee will occur. At the same time, if Alipay charges, it will incur costs. When Alipay is big enough, the two fees can be packaged into one to minimize the cost of the exchange. This will be a profit point for the payment platform
third ways: Alipay will be sold to other online stores as a solution to online transactions, instead of taking certain fees according to the total amount of transactions, just like other domestic payment platforms.
the third way: from logistics, because many domestic logistics systems are not perfect, so the way of logistics companies to pay the fees can not be realized
in addition, it is said that Alipay's profits come from its resident funds interest and investment returns. However, as a platform for payment of the third party, Alipay is regulated by the CBRC, but these funds are kept in the form of deposits, and banks pay interest according to the agreement. The annual interest of 100 million yuan is about 1.5 million yuan
therefore, its profit lies in the transaction fees and the interest of resident funds. As for the return on investment, because of the supervision of banks, it is also untenable< Where is the place where Alipay differs from br />
3. Alibaba? br />
A As the third party payment platform, to ensure the safety and security of the buyers and sellers on the network,
the seller will receive the money after receiving the money through Alipay's virtual account, and the buyer will distribute the money to the seller through Alipay when the goods are received and confirmed. As a financial business, banks are only responsible for the flow of cash< br />B The third-party payment platform integrates the capital flow (bank), information flow (transaction order) and logistics (logistics company) in e-commerce, so that the three are organically linked and the integrity environment of e-commerce is better improved. However, traditional banks can not do these things

so Alipay only makes a difference between a Guarantee Corporation and a traditional bank.

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new point of E-commerce -- Perspective of third-party payment platform For consumers, online trading has become a part of daily life from a new and unknown thing. Relevant investigation shows that: 1; Because it is far away from congestion, traffic jam, queuing payment and other troubles, and with the development of e-commerce activities, the transaction system is increasingly standardized and improved; More consumers are going out of Gome, Carrefour and other large supermarkets to do online shopping in online channels such as eBay and Taobao
for online businesses, traditional payment methods, such as bank remittance and postal remittance, require buyers to go to the bank or post office to handle trivial remittance business; If the cash on delivery method is adopted, it will bring some risks and expensive logistics costs to the merchants. Therefore, online payment platform is graally born under this demand. As one of the important components of e-commerce, online payment has become the inevitable trend of the development of e-commerce
online payment platform means that the platform providers establish a connection between online businesses and banks by using standardized connectors, so as to realize online cash payment, cash flow, fund clearing, query statistics and other issues from consumers to financial institutions and businesses. The application of the third-party payment platform effectively avoids the risks of goods return and exchange, integrity and other aspects in the transaction composition, and provides complete support for businesses to carry out e-commerce services such as B2B, B2C, and even C2C transactions and other value-added services. Among them, the most typical is the PayPal payment tool used by eBay. PayPal is open to nearly 40 countries around the world; It's the most popular free credit card tool on the Internet, and it's a main way to collect money online

the first third-party payment company appeared in the domestic market as early as 1998. At present, the well-known providers of domestic online payment platform services mainly include Shouxin "easy payment", Yida Xindong, cloud net, etc. Among them, the service scope of platform service providers such as Shouxin and Yida Xindong has spanned B2B, B2C, C2C and other fields, accumulated a certain number of fixed users at home and abroad, and occupied the congenital business background advantage. With the rise of online games in China, cloud net has become a black horse in the electronic payment instry

with the rapid popularity of online payment since the beginning of the year, more and more third-party payment service platforms have begun to appear and join the battle group“ More and more payment tools such as Alipay and "Fu Fu Tong" continue to add fuel to the fire in the new business field, which greatly accelerates the rapid development of online payment business in China. The barriers of credit card across banks and regions in China are being graally broken. In the past, the authentication standards of various bank cards were not unified, and the online payment could not be realized uniformly, and the same bank credit card could not be paid in other places; Due to the problem of geographical restrictions, consumers have to have more than ten cards in hand if they want to complete online shopping freely, and online businesses must also have the authentication software of various banks. Today's third-party payment platform relies on China UnionPay, backed by the gold card project, and has been strongly supported by major commercial banks. After access, it can connect many banks, gateways and even international cards at the same time, comprehensively promoting the smooth flow of online trading channels

2005 is the year of secure payment of e-commerce in China. The comprehensive application of third-party payment platform has become a new trend to carry out e-commerce and increase the competitiveness of traditional enterprises. After the credit / logistics / cash flow problems that have plagued e-commerce for a long time have been solved through the application of online payment tools, the application of third-party payment platform to enhance the image and competitiveness of the website, improve consumer loyalty, and rece transaction risk will be more than one stone<

China's e-commerce market has entered a growth period

(there are also pictures, see http://it.enorth.com.cn/system/2006/05/16/001305120.shtml

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http://www.enorth.com.cn 2006-05-16 12: 17

[special topic] chronicles of China's B2B market

total transaction volume of China's e-commerce from 2001 to 2005

Chinese Internet users from 2003 to 2005 On March 16, 2006, CCID Consulting (Stock Code: hk8235), a well-known domestic market research and management consulting organization, released the annual research report on China's e-commerce market and investment opportunities from 2005 to 2006. The report shows that: after 10 years of development, China's e-commerce software and hardware environment has been significantly improved. The network infrastructure is more perfect, the broadband penetration rate is greatly improved, the number of Internet users is increasing rapidly, the e-commerce awareness and application of instries, enterprises and indivials are increasing day by day, the government is stepping up the introction of corresponding laws and regulations, and the e-commerce market is growing steadily... All kinds of signs show that in 2005, China's e-commerce has entered a growth period<

the market scale is growing steadily, and the profit situation is not optimistic

2005 is an extraordinary year for the development of China's e-commerce, with the transaction volume of e-commerce reaching 740 billion yuan, an increase of 54.2% compared with 2004, and the proportion in the global e-commerce transaction volume has increased from 2.08% in 2004 to 2.23%

however, in contrast to the continuous expansion of the market scale, the profitability of e-commerce is still not very optimistic. In addition to B2B business model has been profitable, B2C and C2C e-commerce profitability has not been significantly improved. In order to have a long-term foothold in the market, B2C business model manufacturers have chosen to expand the scale of their enterprises in the case of balanced revenue and expenditure, while C2C business model manufacturers are basically competing for users under the condition of free. Paying too much attention to the market scale is the main reason for these manufacturers' delay in making profits; In addition, the failure to find a more suitable profit model for China's national conditions is also the key factor for the two business models to make profits< With the entry of overseas capital and the increase of the number of competitors, the competition in China's e-commerce market is extremely fierce, but the competition pattern changes little. In the field of B2B, Alibaba still holds the position of market leader, and even becomes the world's largest B2B e-commerce giant. Compared with 2004, its profit growth rate in 2005 reached almost 100%. The C2C field still continues the fierce battle between Taobao and eBay. In 2005, Taobao joined the original strength of Yahoo and the 1 billion capital of Yahoo China, which is stronger than eBay and becomes the leader of C2C field temporarily. Compared with the popularity of B2B and C2C market, B2C field appears more calm. Since excelsior changed its business strategy and turned to the "big and comprehensive" Amazon model, the price war with Dangdang has become more fierce. While Dangdang is striving to top B2C and expand its sales, it has also shifted some of its energy to do business