The central bank's digital currency enters mobile payment, where will payment channels such as Ali go? The 4 major differences are finally fused

In fact, everyone misunderstood, the central bank's digital currency system, with Alipay and WeChat is not at all in a competitive system, the two have no comparison. And in the future, Alipay and WeChat will only comply with the development of the central bank's digital currency, make changes, and there will be new application scenarios after the change, which can glow with new vitality!

The central bank digital currency is based on a super alliance chain technology and constructed, we can first make up the principle of the blockchain and several development directions.

1。 The central bank digital currency is legal tender, while WeChat Pay and Alipay are just one payment method, which is fundamentally not the same thing. WeChat Pay and Alipay are simply the equivalent of users using digital currency to open an account within their business. They are also the two supernodes of the central bank's digital currency system, a digital currency node for payment, staging and exchange.

2. The legal effect is also completely different. Specifically, institutions or individuals do not accept Alipay or WeChat payments, there is no problem in law, and they do not trust their account credit. But no one can refuse users to pay in cash or digital currency, which is a complete violation of the law.

3. It is also completely different in terms of credit system. Behind the digital currency is the national credit, and the number of accounts opened is guaranteed by the national credit. Behind Alipay and WeChat Pay is the corporate credit of the two companies, which have opened an account on their side, and others believe that customers have money, and believe that Alipay will really pay. The two belong to different levels, and the national credit is greater than the credit of Internet enterprises.

4. Of course, from the perspective of user extensiveness, the scope of use of central bank digital currency will be wider in the future, with unlimited legal compensation and mandatory, while the payment methods of WeChat and Alipay cannot have this function.

Remember: central bank digital currencies are more secure, more widely used, and do not require a bank account. He uses the identity of the person to open a unique account, and the other mobile wallets are just a way of displaying the account balance, just to facilitate the intuitive transaction purpose.

In addition: the central bank's digital currency will not impact the market position of WeChat and Alipay, which is the process of customers deciding on the use of habits, the two are not at the same level, how to compete. Our central bank is a governing body, not a profit-making institution, nor does it compete with the people for interests.

In the early stage, the central bank digital currency may enter the lives of the people as a means of supplementary payment to the cash system. However, in the future, Alipay and WeChat will inevitably access the central bank's digital currency, become a supernode of the digital currency system, and become part of the digital currency consensus mechanism.