Recently, the digital yuan (pilot version) App developed by the Digital Currency Research Institute of Chinese Min min bank was listed on the shelves of major Android app stores and Apple AppStore, which means that the application promotion of digital yuan has entered the fast lane.
Downloads skyrocketed as users scrambled to experience the digital yuan
On January 4, the Digital Yuan (pilot version) APP was opened for download in major app stores such as Apple and Android, and users in the "10+1" pilot area no longer needed an invitation code to experience the digital yuan, which also increased the popularity of the digital yuan again.
Feixiang reporter downloaded the digital yuan (pilot version) APP experience found that new users in the registration of digital yuan account is simple and fast, only through the mobile phone number, set the user name and payment password, you can quickly open the wallet, no need to enter the name, ID card number, bank card number and other personal information, the whole process takes less than 2 minutes.
The user experience digital yuan (pilot version) APP is enthusiastic. As of January 9, the number of downloads of the digital yuan (pilot version) APP in Huawei's app market has soared from less than 10,000 on the first day of launch to more than 5.8 million.
According to the data provided by Meituan, as of January 7, the number of users pushing digital yuan wallets on the Meituan platform has increased by nearly 20 times per day, and the average daily growth rate of digital yuan transaction orders and transaction amounts is about 25%. According to the data provided by JD.com, after the launch of the Digital Yuan (pilot version) App, the number of users pushing digital yuan wallets has increased by more than 10 times a day.
However, at present, the digital yuan is only piloted in 11 regions, including Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian, and the Winter Olympics scene (Beijing, Zhangjiakou).
Convenient online payment A number of platforms have opened "digital yuan" entrances
According to the reporter's actual measurements, after the new user opens the digital RMB wallet, online and offline payment can be made, and its use method is similar to that of electronic payment tools such as Alipay and WeChat Payment, and the operation is more convenient, such as the down payment operation, only the payment QR code can appear on the pull-up page on the home page, the collection QR code appears on the drop-down page, and others can pay the digital wallet holder by scanning the QR code that appears on the page.
In terms of application scenarios, compared with June 2021, when only a few platforms supported online payment, the current pilot digital RMB App has access to a variety of online payment scenarios. According to the reporter's statistics, there are currently 49 merchants that support online payment, including JD.com, Meituan, Ele.me, Tmall Supermarket, Didi Chuxing, Bilibili, Kuaishou, iQiyi, Tencent Video, Baidu and other Internet merchants, as well as SF Express, online State Grid (for electricity payment), Sinopec, China Telecom Wing Payment and other common payment scenarios in life.
The reporter used digital yuan to pay for Jingdong's order, the use of similar to the electronic payment tool, first recharge the electronic wallet, and then add JD into the sub-wallet for authorization, and then in the payment method of the Jingdong order, you can see the digital yuan sub-wallet option, choose to pay to complete the digital yuan online payment.
The reporter also uses digital yuan to pay for taxis, first of all, it is necessary to add the taxi App to the list of sub-wallet merchants, and then the digital yuan payment will be displayed in the "payment method" in the taxi payment order, and the operation is also very convenient.
With the acceleration and expansion of the digital yuan pilot scenario, the frequency of users using the digital yuan has also increased significantly. According to the latest data, as of October 22, 2021, 140 million digital rmb personal wallets have been opened. The cumulative number of digital RMB transactions increased from more than 70.75 million transactions and 34.5 billion yuan on June 30, 2021 to 150 million and 62 billion yuan on October 22, 2021, with rapid transaction growth.
According to JD data, since December 2020, jd.com's access to the digital yuan pilot as of December 31, 2021, more than 2 million digital yuan sub-wallets have been pushed to the JD App, and more than 1 million users have used digital yuan to spend 3 million times, with a cumulative consumption amount of more than 200 million yuan.
Although the payment function is similar, there are still some differences between digital yuan and electronic payments such as Alipay and WeChat. According to the central bank, the digital yuan has three major characteristics: one is that the digital yuan is the national legal tender and is the asset with the highest security level; the other is that the digital yuan has the characteristics of value, which can transfer value without relying on bank accounts, and supports offline transactions, with the characteristics of "payment is settlement". Third, the digital yuan supports controllable anonymity, which is conducive to protecting personal privacy and user information security.
Industry insiders pointed out that with the further expansion of digital yuan application scenarios, the scale of users is expected to be greatly improved, which will further promote the development of digital yuan application ecology.