撰写Zhongxin Finance, January 8 (Shi Rui) Recently, the digital RMB (pilot version) App was officially launched in major application markets. On the 7th, Zhongxin Finance noticed that 49 platforms including JD.COM, Meituan, Hungry, Tmall Supermarket and Didi Chuxing had been connected to the digital RMB system.
How to order takeout, send express delivery and shop online when using digital RMB to pay? Zhongxin Finance takes you to "play" the digital RMB (pilot version) App.
Mobile phone number registration can "unlock" digital RMB.
A few days ago, the digital RMB (pilot version) App was officially launched in major Android app stores and Apple AppStore. At present, digital RMB is only piloted in Shenzhen, Suzhou, Xiong ‘an, Chengdu, Shanghai, Hainan, Changsha, Xi ‘an, Qingdao, Dalian and the Winter Olympics (Beijing, Zhangjiakou), and other regions are temporarily unable to register.
According to the actual measurement of Sino-Singapore Finance, new users can use the digital RMB (pilot version) App for online and offline payment only after registering with their mobile phone numbers, which is similar to Alipay, WeChat payment and other electronic payment tools.
New users can choose to open the digital wallets of China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, China Postal Savings Bank, China Merchants Bank, Online Merchant Bank (Alipay) and Weizhong Bank (WeChat Payment) after completing the registration of the digital RMB (pilot version) App.
Personal digital wallets are divided into four grades, among which four types of wallets can be handled only by mobile phone number, and the transaction restrictions are relatively strict. The upper limit of single payment is 2,000 yuan, and the upper limit of balance is 10,000 yuan; There are no transaction restrictions on the first-class wallet, but the handling requirements are the most stringent, requiring mobile phone number, ID card, my bank account and on-site face-to-face signing by the operating agency.
Image source: Digital RMB (Pilot Edition) App
Eat, drink and be merry, and the digital RMB APP can be used.
As long as they have a digital wallet, users can realize offline collection and payment of digital RMB. Users can "scan" the code on the homepage of the Digital RMB (Pilot Edition) App to pay digital RMB by scanning the QR code of the other party; To collect money, you need to drop down the digital wallet page to display the money collection code, and others can pay the digital wallet holder through the QR code that appears on the scanned page. In addition, after opening digital wallets of online merchant bank (Alipay) and Weizhong Bank (WeChat payment), users can see the "digital RMB" entrance in Alipay (only piloted in Shanghai, but not yet launched in other cities) and WeChat APP.
At present, the pilot digital RMB App is also connected to a variety of online payment scenarios, and users can use it by adding a "sub-wallet".
According to the statistics of Sino-Singapore Finance and Economics, at present, the Digital RMB (pilot version) App has launched 49 merchants on the sub-wallet page, including shopping, travel, life, tourism and other categories, including JD.COM, Meituan, Hungry, Tmall Supermarket, Didi Chuxing, Billie Billie, Aauto Quicker, Iqiyi, Tencent Video, Baidu and other Internet merchants, as well as SF Express and online State Grid (for electricity payment).
Image source: Digital RMB (Pilot Edition) App
What is the difference between digital RMB APP and WeChat and Alipay?
Sino-Singapore Finance paid the orders of Meituan and Hungry respectively in digital RMB, which is similar to electronic payment tools. First, charge the digital wallet. At present, there are two ways: transfer from mobile banking to bank card, then add Meituan and Hungry to the sub-wallet for authorization, then open Meituan and Hungry to place an order normally, and select the digital RMB sub-wallet at "Select payment method" to complete online payment of digital RMB.
On January 7th, Zhongxin Finance also used digital RMB to pay the taxi fare. The tips of the payment process are as follows: First, charge personal digital wallet. At present, there are two ways: transfer from mobile banking to bank card, then add a taxi APP to the list of sub-wallet merchants, then open the taxi APP to place an order normally, and select digital RMB payment in "Payment Method" to complete the online payment of the taxi fare.
According to the introduction of the central bank, although the payment function is similar, there are some differences between digital RMB and electronic payment tools: First, digital RMB is the national legal tender and the asset with the highest security level. Second, digital RMB has the characteristics of value, which can be transferred without relying on bank accounts, and supports offline transactions, with the characteristics of "payment is settlement". Third, digital RMB supports controllable anonymity, which is conducive to protecting personal privacy and user information security.
According to Sino-Singapore Finance, the central bank has attached great importance to the research and development of statutory digital currency for a long time. From 2014 to 2016, the central bank set up a statutory digital currency research group to start the research work on statutory digital currency. At the end of 2017, the research and development of digital RMB began, and the pilot test of digital RMB was carried out at the end of 2019. According to the "Financial Technology Development Plan (2022-2025)" recently released by the central bank, "digital drive" will remain the development principle of the central bank in the next four years, and the digital RMB will land in more scenes, so that more people can enjoy convenience and inclusiveness. (End)