Home Business When the digital RMB App is on the shelves, when will the citizens “try early”?Have to wait

When the digital RMB App is on the shelves, when will the citizens “try early”?Have to wait

by admin

Recently, the digital renminbi (pilot version) App was officially launched in major Android and Apple app stores for download, and netizens in the pilot areas can even order takeaways with digital currency. However, the reporter’s test found that Yangzhou is not in the list of pilot areas, and Yangzhou citizens have to wait for the “earlier” digital currency.

What is a digital renminbi?

What is the digital renminbi? Compared with the traditional payment method, what is the change? What will it bring us?

Digital renminbi is a digital form of legal tender issued by the People’s Bank of China, which is equivalent to physical renminbi (banknotes, coins), supports tiered limits, and is controllable anonymity. The biggest problem with mainstream mobile payment at present is that the payment cannot be successfully completed if the mobile phone has no network or no electricity. The biggest advantage of digital renminbi lies in the ability to pay when there is no internet or when the mobile phone is out of power. It also has an independent number like banknotes, which is safer and more convenient than other mobile payments.

In addition, the digital renminbi follows the principle of “small amount anonymous, large amount traceable according to law”, attaches great importance to personal information and privacy protection, fully considers the business risk characteristics and information processing logic under the existing electronic payment system, and satisfies the public for small amount anonymous payment service requirements. The digital renminbi adopts a push sub-wallet design to protect personal privacy. When using digital renminbi to pay on an e-commerce platform, the user’s payment information is packaged for encryption and then pushed to the e-commerce platform in the form of a sub-wallet. The platform does not know the user’s personal information and realizes the privacy protection of the user’s core information.

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Digital RMB App is now available

On January 4, the “Digital RMB App was launched in major app stores” hit the headlines, and the digital RMB (pilot version) App could already be seen in Apple and major Android app stores. According to the official introduction, users can easily complete the registration and complete the digital wallet opening within a few seconds.

The Digital RMB App is on the shelves, can Yangzhou people use it? The reporter also conducted a test yesterday. In the Apple App Store, the reporter successfully downloaded and installed the “Digital RMB (pilot version)” in just one minute. However, when the reporter tried to register, the app prompt: “Digital RMB is available for Shenzhen, Suzhou, Xiong’an, Chengdu, Shanghai, Hainan, Changsha, Xi’an, Qingdao, Dalian and the Winter Olympics scenes (Beijing, Zhangjiakou) carry out pilots, and you need to judge whether you meet the registration requirements based on your location. Users who are not in the above locations cannot register as new users.”

In other words, Yangzhou is currently not within the scope of the digital renminbi pilot area, so Yangzhou people have to wait if they want to “early taste”.

At present, some areas can be used to order takeaway

The official launch of the digital renminbi App also means that the digital renminbi will be used in more and more scenarios. On January 5, relevant people within Meituan confirmed that users in 11 cities including Beijing, Shanghai, and Shenzhen can choose to pay in digital renminbi when ordering food.

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Users in the pilot area only need to install the digital renminbi App and complete the relevant registration and binding operations. In the payment link of Meituan Waimai, they can choose digital renminbi to pay for daily takeaway orders and enjoy red envelope discounts.

It is understood that at present, digital renminbi operating institutions include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, Internet Commercial Bank (Alipay), and WeBank (WeChat Pay). Users can register a digital currency wallet by binding these bank cards, or register with a mobile phone number, and then use a bank account to recharge.

Trainee reporter Ni Ping and reporter He Shichun

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