In the new year of 2022, after many pilots, the digital yuan has finally entered the era of promotion and application, and on January 4, the digital yuan (pilot version) App has been listed on the major Android app stores and Apple App Store today, setting off a wave of experience boom.
According to reports, 49 platforms such as JD.com, Meituan, Ele.me, Tmall Supermarket, and Didi Chuxing have been connected to the digital yuan system, and the number of downloads of the digital yuan (pilot version) app in the Huawei application market has soared from "less than 10,000 times" on the first day of launch to "more than 5.8 million times".
So hot, what is it? Uncle Huan told everyone that this is not a high-tech that is far away from our ordinary people, and it will soon become a way of life for us.
What is the Digital Yuan? Yi Gang, president of the People's Bank of China, who is responsible for printing banknotes, introduced that our country's legal digital currency is the digital replacement of banknotes, which is the "digitization of the renminbi", and the functions and attributes of digital currency are exactly the same as those of banknotes, but its form is digital. In a word, the digital yuan is money.
It's just that the use of this money is somewhat different from the use of cash. We need to pick up the mobile phone to download the "digital yuan APP", complete the registration, login, setting, in order to use; the mobile phone screen slide is the payment, the slide is the collection, when consuming, the merchant can use the POS machine to scan the code, so look, or relatively simple and convenient.
Now it sounds like the use of WeChat wallet and Alipay wallet, we can't help but ask, what is the difference?
Concentrated in three points, the digital yuan is legal tender, no one can refuse to accept, merchants can refuse to use WeChat Alipay; digital yuan can be used without network conditions, WeChat Alipay can not be used; digital yuan can be exchanged at any time without fees, WeChat Alipay withdrawal to transfer cards with fees. Understand, the digital yuan is money, WeChat Alipay can only be regarded as a wallet, the essential difference is still there, but the experience we use feels almost the same. In the future, when we go to the market to buy things, most of them will not pay cash, and they do not need to bind any bank cards, and directly use digital yuan, which is more convenient and more secure and confidential.
Perhaps some people will wonder whether the digital yuan will have investment opportunities like "Bitcoin" and rise to the heavens? Don't think about it like this, you won't. When the People's Bank of China announced the start of research and development of digital yuan, many people thought that the use of blockchain is the technical route of digital yuan research and development, the launch of the central bank version of the "bitcoin", the People's Bank of China digital currency research institute director Mu Changchun said that the digital yuan is a new cryptocurrency launched by the People's Bank of China, mainly used for small retail high-frequency business scenarios, digital yuan is not a virtual currency, but based on national credit, issued by the central bank of the legal digital currency. The digital yuan is used for circulation and use, and it is by no means used to "speculate" to make money. Our country will definitely adhere to the policy of "no speculation in coins.".
It is foreseeable that the impact of the digital yuan on daily life will be further expanded, and the digital yuan will penetrate into all walks of life and enter thousands of households.