You don’t know how easy it is to use the newly launched digital RMB APP
As the promotion of digital renminbi accelerates in an all-round way in 2021, regardless of its coverage of cities, application scenarios, or the number of wallets opened, it will usher in a substantial increase. At the Hong Kong Financial Technology Week in 2021, Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China, said that as of October 22 last year, my country has opened a total of 140 million digital RMB personal wallets and 10 million corporate wallets, and 10 million digital RMB wallets have been opened. The cumulative number of transactions has reached 150 million, and the transaction volume is close to 62 billion yuan.
As we have just entered 2022, the digital renminbi is ushering in a crucial step towards its full promotion. On January 4, the "Digital RMB (Pilot Version) App" was officially launched on major Android app stores and Apple AppStore.
According to the official introduction, the digital renminbi (pilot version) app is China's legal digital currency - the official service platform for digital renminbi to carry out pilot projects for individual users. Provide digital renminbi personal wallet opening and management, digital renminbi exchange and circulation services.
Based on this, Rhythm BlockBeats tested and experienced all the functions of this App, and found that the page layout is optimized compared with the previous version, which is visually clear at a glance, and new user registration is easier For convenience; at the same time, in terms of use, this App experience is "lighter" and faster, without the cumbersome function recommendations of general third-party payment tools, and the experience is more friendly. Next, we will bring readers relevant practical test introduction.
How to Register Digital RMB (Pilot Version) App
First of all, although the digital RMB (pilot version) app is currently available for public download in major app stores , but registration is still limited to users in 11 locations, including Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and the Winter Olympics scene (Beijing, Zhangjiakou).
In addition, new users only need their phone number To complete the registration, there is no need to enter personal information such as name, ID number, bank card number, etc. The whole process is more convenient and smooth. At the same time, in order to ensure the normal use of the user account, after successful registration, only one account is supported to log in on one device. When the user logs in on other devices, the current device will automatically log out.
As the internal test version has entered a large-scale pilot version, the digital renminbi has opened a new stage of comprehensive application in the market. It can be expected that the digital renminbi will be more widely adopted in the next period of time, and gradually enter the era of full circulation of fiat currency digitization.
The launch of the major app stores this time also shows that the digital renminbi app has relatively mature and necessary functions and conditions for the market. At the same time, users will also be able to search for digital RMB apps more quickly and download them through formal channels. In addition, to a certain extent, it also prevents illegal acts of defrauding users through digital RMB apps that have not yet been released.
Introduction to Digital RMB Wallet
Open and report loss of digital wallet
The registration is successful. After entering the App page, you can see three major sections of "Homepage, Service, and My" below, which have more functions and partitions than the previous version The upgrade on the Internet, and the App interface design is more beautiful, and it is more smooth to use. Next, the user can open or add a digital RMB wallet on the "Homepage".
It can be seen that the current digital RMB wallet supports 9 banks, namely : Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank of China, China Merchants Bank, MYbank (Alipay) and WeBank (Alipay).
Immediately afterwards, the rhythm BlockBeats passed verified phone number And set a wallet name to successfully register a digital wallet of "Industrial and Commercial Bank of China". However, it should be noted that the "wallet name" set does not necessarily represent the real identity and is not unique, so users should not use it as the main basis for identifying the identity of the other party; it will be displayed to the other party when receiving and paying, and the user can Modify the wallet name in wallet management.
Then, Rhythm BlockBeats transferred RMB 100 to the wallet for testing, which can be divided into two ways, one is directly through the savings card transfer in, and the other is to open the mobile banking app to transfer in.
In addition, if the user's mobile phone is lost or the account is at risk Report the loss in time. There are two types of loss reports:
1) Only report the loss of the account. After reporting the loss of the account, you can only cancel the loss report status of the account through "More Options" - "Release Loss Report", and you cannot log in to the account, change the password, etc.; however, the wallet bound to the account can operate normally and is not affected by the account loss report. Impact.
2) Report the loss of account and wallet at the same time. After reporting the loss of the account, you can only cancel the loss reporting status of the account through "More Options" - "Release Loss Report", and you cannot log in to the account, change the password, etc.; however, the wallet bound to the account can deposit funds, but cannot withdraw funds, If you cannot operate the basic functions of the wallet (such as changing the payment password of the wallet, changing the nickname of the wallet, etc.), the wallet can be restored to a normal state by disabling the wallet report function.
Wallet Type
In order to classify and manage digital renminbi wallets, the operating agency divides digital renminbi wallets into four categories according to the strength of customer identification:
1) Type 1 wallet: On-site verification of the applicant's identity information is required, including verification ID card, mobile phone number and personal domestic bank account information; users can bind their domestic bank accounts, and will support the mutual transfer of digital renminbi in personal digital renminbi wallets and bound account deposits, and there are no transaction restrictions, and the degree of real name is the highest.
2) Type 2 wallets: remote opening, need to verify ID card, mobile phone number and personal domestic bank account information; support digital renminbi in personal digital renminbi wallet The inter-transfer with the deposit in the bound account has a higher degree of real name. However, the upper limit of the second-type wallet balance is 500,000 yuan, the single payment limit is 50,000 yuan, and the daily cumulative transaction limit is 100,000 yuan.
3) Three types of wallets: remote opening, need to verify ID card, mobile phone number and other information, no need to bind a bank account, and the degree of real name is weak. At the same time, the upper limit of the three types of wallet balances is 20,000 yuan, the single payment limit is 5,000 yuan, and the daily cumulative transaction limit is 10,000 yuan.
4) Four types of wallets: remote opening, only verifying the mobile phone number, no need to bind a bank account, and an anonymous wallet. The upper limit of the balance of the four types of wallets is 10,000 yuan, the single payment limit is 2,000 yuan, the daily cumulative transaction limit is 5,000 yuan, and the annual cumulative payment limit is 50,000 yuan.
Sub wallet
Under the digital wallet, the user can also open a sub-wallet to realize more Convenient and fast, as well as limit payment, privacy protection and other functions.
首先，用户可选择包括京东、美团There are as many as 52 merchants that support push sub-wallets, including Tmall Supermarket, Didi Chuxing, and users can activate them according to their needs. And for the convenience of users to manage the use of funds, each sub-wallet can also set a separate limit.
Hardware wallet
The hardware wallet is a digital renminbi wallet based on a security chip, which can be used for "touch" payment on the offline terminal POS.
Currently, digital RMB dual offline payment technology has been completed Verification, and enter the design stage of supporting standards and specifications. However, in order to ensure a unified user experience, the current version does not provide the dual offline payment function to the public. In addition, users can apply for a standard hardware wallet card, and use the "sticker" function to recharge and manage.
What features does the app have?
Transfer
Users can transfer money to others directly through their mobile phone number or digital RMB wallet number.
Receipt and payment
By using it, it can be found that the digital RMB (pilot version) App payment function is similar to that of WeChat and Alipay. When the user receives money, he or she will show the other party his payment code, and the other party will scan the QR code and pay the user. When paying, users only need to show their payment QR code or barcode to the other party, or start scanning payment by scanning.
However, the digital RMB and Alipay, WeChat payment wait There are still some differences between general electronic payments. Generally, electronic payment is a third-party payment method, which is settled by commercial banks storing currency. There is a very small probability of bankruptcy risk, and there is no legal compensation. Therefore, users do not need to support Alipay or WeChat payment.
However, digital renminbi is legally compensable, and users cannot refuse to accept digital renminbi, and digital renminbi can achieve offline payment with a higher degree of security and quota than Alipay and WeChat payment. pay. In addition, the design of the digital renminbi also takes into account the advantages of physical renminbi and electronic payment tools. It not only has the characteristics of physical renminbi payment settlement and anonymity, but also has the characteristics of low cost, strong portability, high efficiency, and difficult forgery of electronic payment tools. features.
Touch
Currently, "Touch" is only available on Android and Apple phones that support NFC.
The user puts the mobile phone close to the POS terminal NFC area, Or touch two NFC phones to each other to complete the payment transaction. At the same time, "Touch" supports both online and offline modes. The offline mode can be used both online and disconnected. Users can switch modes according to their needs.
Post a post
"Tie Yi Tie" uses the NFC reading and writing function of the mobile phone, which can read the device loaded with the digital RMB hardware wallet, and provide the hardware wallet with transfer , transfer out, query and other basic management functions, but the user should make sure that the NFC is turned on when using it.
Red envelope
In addition, the Digital RMB (Pilot Version) App also has a built-in "red envelope" function. Red envelopes are divided into ordinary red envelopes and consumer red envelopes. Ordinary red envelopes are equivalent to wallet balances and can be used in any scenario that supports digital RMB; consumer wallets can only be used under certain restrictions, including validity period, restricted scenarios, payment amount, etc.
It is worth mentioning that users register in China When using the digital RMB wallet of Postal Savings, you can receive a red envelope of 10 yuan, and the latest collection time is until 23:59 on February 28.
Summary
Since the People's Bank of China established a legal digital currency research group in 2014, and established a digital currency research institute in 2016 to carry out digital currency prototype construction, and in 2021 After testing in multiple places and multiple scenarios, the research and development of digital RMB has basically completed the work from top-level design to functional development and system debugging. With the official launch of the digital renminbi (pilot version) app, this will greatly reduce the threshold for users to open and register. China's digital renminbi pilot will continue to expand to more new scenarios, and the related ecology will also be more complete.
At present, all major economies are also actively considering or promoting the research and development of central bank digital currency. According to the latest survey report of the Bank for International Settlements, about 86% of the central banks of 65 major countries or economies have carried out digital currency-related research, such as the United States, the United Kingdom, France, Canada, Sweden, Japan, Russia, South Korea, Singapore, etc. The Central Bank of China and the European Central Bank have announced their considerations and plans for central bank digital currency in various forms in recent years, and some have begun or even completed preliminary tests.
The main function of the digital renminbi is to improve the level of financial facilitation. With the first landing of the digital renminbi in my country, it may bring far-reaching effects to the global commercial and financial forms. Influence. On the whole, the digital renminbi scheme promoted by our country is relatively stable overall, and the layout is based on the long-term. The technology is mainly based on two aspects of security and convenience, which can guarantee the safety of the transaction process and payment efficiency; in terms of scene integration, it will be expanded step by step , not only covers various scenarios such as "eating, housing, transportation, travel, shopping, entertainment", but also covers many fields such as green and low-carbon, government services and financial services.
Next, the popularization and education of digital renminbi-related knowledge will be further increased, and various incentives will be used to cultivate user payment habits, maintain and consolidate digital renminbi status. As my country, which planned the layout early in the legal digital currency, is expected to become the leader in more fields by virtue of its first-mover advantage, and we will also have the opportunity to witness the arrival of this new round of history together.
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