1 article to understand the digital RMB application

Recently, digital RMB (pilot version) applications have been launched in major markets and 49 platforms including JD.com, Meituan, Ele.me, Tmall Supermarket, Didi Chuxing and others have been connected to the digital system. RMB July 7.

How to order, present and buy online in renminbi? Ask journalists to “use” the digital RMB application (pilot version).

Register your cell phone number to "lock" your digital renminbi.

A few days ago an RMB digital app (pilot version) was released for Android and Apple AppStore stores. Currently, digital yuan mainly operates in Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and at the winter Olympic venues (Beijing and Zhangjiakou), and the listing no is not available temporarily. in other areas.

Accuracy test shows that new users need to register their mobile phone number using RMB digital app (pilot version) to pay online and offline.

After completing the registration of the RMB application (pilot version), new users can open the Agricultural and Commercial Bank of China, Agricultural Bank of China, Agricultural Bank of China, Agricultural Bank of China, Institution China Financial, Telecom Bank, China Financial Institution, China. This is the electronic wallet of nine banks, including Merchant Bank, Internet Commercial Bank (Alipay) and WeBank (WeChat Payments).

Personal wallets are divided into 4 levels, and 4 types of wallets can only be completed with a mobile phone number, and the trading restrictions are also strict. The upper limit of a payment is 2,000 yuan, and the upper limit of the balance is 10,000 yuan. Electronic wallets do not have trade restrictions, but the completed process is the strictest.

Duab Source: RMB digital application (pilot version)

Eat and drink, and digital rdmb apps available.

As long as there is a digital wallet, users can experience digital RMB offline collection and payment. Users need to "scan" the homepage of the digital RMB application (pilot version) to pay the digital RMB by scanning a third-party QR code and downloading the digital wallet page to view the payment numbers to receive the payment . By identifying payment pages for digital wallet holders with QR codes that can be posted by others. Users can also open their wallets through MYbank (Alipay) and WeBank (WeChat Payments) with Alipay (try only in Shanghai, other cities. Not yet released) No) and "Digital RMB" to access the WeChat application.

The digital RMB pilot application now allows users to access a variety of online payments which can be accessed by adding a "sub-wallet".

According to Journalist statistics, the digital RMB app (pilot version) now has 49 merchants on small pages, including shopping, travel, live, tours and more. Groups include JD.com, Meituan, Ele.me. and Tmall Supermarket, Didi Chuxing, Bilibili, Kuaishou, iQiyi, Tencent Video, Baidu and other Internet merchants, SF Express, Online State Grid (for electronic payment), Sinopec, China Telecom Wing Payment and other payment matters .

What is the difference between digital RMB app and WeChat and Alipay?

The reporter paid Meituan and Ele.me's order in digital renminbi similar to electronic payment devices. First of all fill your digital wallet, How to send money via mobile banking now, how to top up your debit card and add Meituan and Ele.me to your wallet money to get authorization, then keep Meituan and Ele. I open Have this. Place your order regularly and complete the RMB online digital payment by selecting the RMB digital wallet under "Choose a payment method".

On January 7, the reporter also paid a digital RMB taxi for a taxi. Take a cab. Once the app has been added to the sub-wallet business listings, open the taxi app to place a regular order and select Digital Renminbi Payment as “Payment” to make the digital payment. Renminbi online.

According to the bank, although the payments are similar, there are some differences between digital and electronic renminbi payment devices. First, the digital renminbi is the fiat currency and is the most secure asset. The second is that the digital renminbi has a profitable characteristic, can exchange rates without banking dependency, support offline transactions, and can “pay by payment”. Third, the digital renminbi promotes privacy, which helps protect the privacy and security of user data.

According to journalistic information, the central bank has focused from an early age on the research and development of legitimate digital resources. From 2014 to 2016, the central bank set up a digital currency legal research team to initiate research on electronic financial law, and at the end of 2017, started research and developed the digital renminbi, and at the end of 2019 did experience. digital yuan. According to the bank's recently announced “Fintech Development Plan (2022-2025)”, “digital training” will be the key development principle for the next four years. First, and the digital renminbi will be used in many situations. Let more people love simplicity and Pratt & Whitney.