evil eye jewelry wholesale china What is the name of the digital currency issued by the central bank?

jewelry t bars wholesale The digital currency launched by the state is called digital RMB (English name E-CNY or DIGTAL RMB).
D digital RMB is a new cryptocurrency currency launched by the central bank. It is not a virtual currency, nor a network payment or electronic wallet, but a legal digital currency based on national credit and issued by the central bank. For withdrawal, it can be used for small retail, traffic card recharge, catering consumption, and party fees.
Ad digital RMB usage: After logging in to the digital RMB software, scan the code to pay the code to the merchant, or present the payment code to the merchant to pay. If the bank sends it to the user, then log in to the bank to mobile banking Payment, or presenting the payment code to the merchant, you can pay. It should be noted that digital RMB supports only some merchants.
The expansion information:
digital RMB, letters are tentatively defined as "E-CNY" in accordance with international usage practice. Based on the broad account system, support the loosening function of bank accounts, equivalent to paper money coins, has valuable characteristics and legal repayment, and supports controllable anonymous.
The concept of digital RMB has two points, one is that digital RMB is a legal currency in digital form; the other is equivalent to paper banknotes and coins. And coin.
is mainly positioned as cash payment vouchers (M0). It will coexist with the real RMB for a long time. It is mainly used to meet the public's demand for digital form cash and help include inclusive finance.
At present, the research and development test has basically completed the top -level design, functional research and development, system debugging and other work. It is following the principles of steady, safe, controllable, innovative, and practical, and select part of the representative areas to carry out pilot tests.
The functional characteristics
The legal currency
Compared with virtual currency such as Bitcoin, digital RMB is a fiat currency. There is no value basis for planting virtual assets, and does not enjoy any sovereign credit guarantees, which cannot ensure stability of value. This is the most fundamental difference between central bank digital currencies and Bitcoin and other encrypted assets.
The double -layer operation system
D digital RMB adopted a double -layer operation system. That is, the central bank does not directly issue and exchange digital currencies for the public. Instead, it will first exchange digital RMB to the designated operating institutions, such as commercial banks or other commercial institutions, and then exchanged to the public by these institutions.
The operating institutions need to pay 100%reserve to the People's Bank of China. This is the 1: 1 exchange process.
This operation system is basically the same as the issuance of paper banknotes, so it will not have a great impact on the existing financial system, nor will it have a great impact on the real economy or financial stability.
DC/EP uses a dual -layer operation model, which does not compete for the traditional business model of commercial banks. At the same time, it can give full play to the enthusiasm of commercial banks and other institutions in technological innovation: the digital currency release system guarantees that the DC/EP is not super -issued. The corresponding quota voucher is sent when the currency generation request meets the verification rules.
Based on the broad account system
In the current digital currency system, anything that can form a personal identity can become an account. For example, the license plate number can become a sub -wallet for digital RMB, paying through highways or parking. This is the concept of a broad account system.
The bank account system is a very strict system. Generally, many documents and personal information need to be submitted to open a bank account.
Coupled bank account loosening
Coustically supporting bank account loosening refers to opening a digital RMB wallet without a bank account.
For people in some rural areas or remote mountain areas, tourists from overseas in China, etc., those who cannot or have inconvenient to hold bank accounts can also enjoy the corresponding financial services through digital wallets to help achieve inclusive finance.
Ittais design
1. Double offline payment. Like paper money to meet the electronic payment needs of poor network signals such as aircraft, cruise ships, and underground parking lots;
2. Safety is higher. If there is actually a stolen behavior, the digital renminbi can provide the loss function of the renminbi;
3. Multi -terminal selection. If you are unwilling to use or have no ability to use smartphones, you can choose IC cards, function phones or other hardware;
4. Multi -information strength. Depending on the intensity of customer information, the digital RMB wallet is divided into several levels. If a large amount of payment or transfer, the real -name wallet with high information intensity must be passed; Through digital currency smart contracts, fixed -point delivery can be realized. Minsheng funds can be distributed on the digital wallets of the masses, thereby eliminating the possibility of false reporting and removing misappropriation;
6. High traceability. In the case of strictly issued corresponding legal documents in accordance with the procedures, the corresponding data verification and cross -comparison comparison will be performed to provide information support for cracking down on illegal crimes. Even if corrupt elements are used to zero, it is difficult to evade supervision.