An article playable with the new digital RMB application (pilot version)

The rise of the digital yuan in 2021 has resulted in further increases regardless of city, demand status, or number of open wallets. During Hong Kong Fintech Week 2021, Changchun Mu, director of the China Financial Institutions Financial Research Institute, said that as of October 22 last year, Korea had a total of 140 million. digital yuan wallet yuan and 10 wallets. , 1 million, and the number of exchanges is 1 The total number of exchanges has reached 150 million, and the volume of exchanges has reached 62 billion yuan.

And at the dawn of 2022, the digital renminbi has taken an important step in its global development. On January 4, the "Digital RMB (Pilot Version) App" was launched in major Android and Apple AppStore stores.

According to legal information, Digital Renminbi app (pilot version) is China's official digital currency and digital renminbi legal services, allowing users to experience and provide users with the ability that nature opens and maintains their digital. renminbi personal wallet. To do. Digital Yuan currency exchange and distribution services. .

Based on this, Rhythm BlockBeats has tried and achieved all the features of this app, and compared to the previous version, many new features have been added, the layout has been improved, and the users New names become easier and faster. . Next, we will provide our readers with impact indicators.

How to register digital RMB application (pilot version)

For starters, the RMB digital app (pilot version) is available for public download from major retailers, but registration is still limited to users in 11 regions: Shenzhen, Suzhou, Xiangan, Chengdu, Shanghai, Hainan, Changsha, and Xi . 'An, Qingdao, Dalian and Winter Olympic stages (Beijing, Zhangjiajou).

In addition, new users can complete membership registration only with their mobile phone number without accessing personal information such as name, resident registration number. , and bank account numbers, make membership registration easier and smoother. At the same time, to ensure the normal use of user accounts, only one account can be accessed on a device after registration is completed.

With the move from internal beta to full-scale pilot, the digital renminbi has opened a new stage of full adoption in the market. In the future, the digital renminbi can be expected to become more and more stable and gradually enter the period of digitalization of fiat currency. The release of this major application also provides key functionality and status for digital RMB applications to mature and market. At the same time, users can search for digital Yuan applications faster and download them from legitimate sites, and use unauthorized digital Yuan to prevent fraud against users used for certain. Not yet published.

Introduction to digital RMB bags

Open a digital wallet and report a loss

After registration is complete, when you access the application page, you will see the following three sections: “Home, Services, Me”. Compared with the previous version, there are features and score update, and the app has a nice interface and is more convenient. Use it gently. Then users can open or add digital renminbi wallets on the "home page".

RMB digital wallets are now available in 9 banks: Bank of Commerce and Industry of China, Agricultural Bank of China, Agricultural Bank of China, Agricultural Bank of China, Agricultural Bank of China. Businesses, Internet companies, Internet companies (Alipay) and WeBank (Alipay).

Soon after, Rhythm BlockBeats completed the list of digital wallets for the company and its affiliates by identifying the cell phone number and configuring the wallet name. However, since the lightweight "wallet" does not have to reveal personal information and is no different, the user should not use it as an important basis for self-identification of another party. , and it will tell others. Once the payment is complete, the user can change the name of the wallet in the wallet management.

Since then, RhythmBloc Beats has tried to exchange 100 yuan for their wallet, and this can be divided in two ways. One is to make transactions directly from a debit card and the other is to open a mobile bank to transfer money.

Moreover, if you lose your cell phone or your account in a dangerous situation, you can report the loss timely. There are two types of lost alerts.

Simply declare the benefit. After announcing the loss of the account, you can delete the account loss report only by "Optional" - "Post Declaration".

Announce the lost number and announce the lost wallet at the same time. After announcing the loss of the account, you can only disclose the loss information through "Options" - "View". You can deposit money into the account, but you cannot withdraw money, you cannot use simple wallet functions (change wallet password, change wallet nickname), etc.) , and you can make the wallet normal. Cancel the lost wallet report to track events.

wallet type

To identify and manage the renminbi digital wallets, the office divides the renminbi digital wallets into 4 categories based on the strength of the consumer authentication tool.

Type of bag: Applicant's ID card must be verified on site, including the applicant's ID, mobile phone number and bank details. Renminbi wallet and tie direct deposit exchange, no restriction exchange, the name of very high level.

The second type of wallet: open the remote control, personal information, mobile phone and personal bank account and other information should be identified, promote the handy sharing of the renminbi and the holder of the personal wallet cover account in renminbi, and with a really high level. -npe. However, the upper limit of the balance of the second wallet is 500,000 yuan, the single limit is 50,000 yuan, and the daily trading limit is 100,000 yuan.

Three types of wallets: open remotely, need to verify identity, cell phone and other information, no need to link a bank account and the level of vulnerability. At the same time, the upper limit of the equivalent of three types of wallets is 20,000 yuan, the one-time payment limit is 5,000 yuan, and the daily trading limit is 10,000 yuan.

4 types of wallets: remote opening, just check your mobile number, no need to link your bank account, anonymous wallet. The upper limit of the balance of the four wallets is 10,000 yuan, the one-time payment limit is 2,000 yuan, the daily exchange limit is 5,000 yuan, and the annual payment is 50,000 yuan.

sub-portfolio

In digital wallets, users can also open small wallets, which is easier and faster, and features like payment restrictions and privacy can be accessed through a sub-wallet.

Firstly, users can choose from 52 merchants that support the following wallets including JD.com, Meituan, Tmall Supermarket, Didi Chuxing, etc. which users can open as per their requirement. You can also create separate restrictions on each wallet to make it easier for users to manage their spending.

hardware wallet

Wallet Hardware is a secure, chip-based renminbi digital wallet that can be used for "touch" payments at offline point-of-sale terminals.

Now the offline renminbi digital double payment has completed its research and entered the design phase to support special designs and instructions. However, in order to increase user experience sharing, the current model does not double offline payment to the public. Users can also request a packaging business model, save and manage it using the "post post" function.

What does this app do?

movement

Users can send money directly to others through their mobile phone number or RMB digital wallet number.

les tau

The app displays the payment and receipt functions of the RMB digital app (pilot version) similar to WeChat and Alipay. When a user receives a payment, they display their third party billing number, and the third party scans the QR code to complete the payment. When you make payment, just show the payment QR code or barcode to the other party, or scan and initiate the payment.

However, there are still differences between digital yuan electronic payments and regular electronic payments such as Alipay and WeChat payments. Generally, electronic payment is the third method of payment, and commercial banks save money for payment, and users will not support Alipay or WeChat payments due to the downturn in the economy and the absence of legal payments.

However, digital renminbi can be paid legally, users cannot accept digital renminbi, and renminbi can experience offline payments with high level of security and restrictions more than Alipay and WeChat payments. In addition, the development of the digital renminbi, including the advantages of the real renminbi and electronic payment devices, not only has the payment characteristics and anonymity of the real renminbi, but also has low cost, strong portability, high efficiency and anti-country. a function.

metal

Currently, "Touch" is only available on Android and Apple phones that support NFC.

The user can move the mobile phone closer to the NFC area of ​​the point-of-sale terminal or put two NFC phones in contact to make the payment. At the same time, "Touch" supports both online and offline modes and can be used with or without online connection. When used, users can change the mode as per their requirement.

next article

"Tie Yi Tie" can read devices equipped with a digital yuan hardware wallet using the NFC read and write functions of the mobile phone, and provide convenient management such as sending money, l 'sending money and asking questions for hardware wallets. While using, you need to make sure that NFC is enabled.

red envelope

The renminbi digital app (pilot version) also has a "red envelope" function. The red envelope is divided into ordinary red envelope and red envelope for customers, and the ordinary red envelope is the same as the ordinary envelope and can be used for all yuan support status. , the cost must be paid.

It should be noted that when users register with China Postal Savings RMB digital wallet, they may receive a red envelope of 10 RMB. The last payment date is February 28 at 11:59 p.m.

concludes

The company co-founded a Legal Value Research Team in 2014 and a Digital Value Research Institute in 2016 to develop digital currency models and create a variety of sites and approaches tested in 2021 for research and development. development of the digital yuan. makes design superior to research and development, debugging and other operations. The launch of the renminbi digital app (pilot version) will lower the threshold for opening and registering users, and the renminbi pilot project in China will continue to expand to more new features and impact processes.

Currently, all major markets are considering or supporting research and development of central bank digital currencies. According to a recent survey by the International Monetary Fund, around 86% of mid-sized banks in 65 countries or major industries, including the United States, United Kingdom, France, Canada and Sweden, have explored the benefits of digital. The Central Bank of China and the European Central Bank, including Japan, Russia, South Korea and Singapore, have announced ideas and plans for various types of digital banking services in recent years, some have started or completed a pre -test.

The important role of the digital renminbi is to increase the level of financial convenience, the first landing of the digital renminbi in our country can have a huge impact on the global economy and financial statements. All in all, our national digital renminbi solutions are stable and have a long-term configuration Technically, based on security and convenience, they can ensure the security and payment of business processes, and with regard to integration , "Food, housing, transportation, travel, shopping, entertainment", according to as well as covering various scenarios such as green and low, government and financial services and other sectors.

Then, we will use various incentives to further promote the expansion and learning of digital yuan-related knowledge, to promote user payment behavior, and to manage and improve the status of digital renminbi. China, which is preparing to deliver legal advantages at an early stage, is expected to become a leader in many areas with its early advantages, and we will have time to prove together the result of this new story. .