Have you released the RMB digital wallet to the public?

The RMB digital app (pilot version) has landed on major mobile phone retailers today. According to a Financial Services Agency reporter, the current opening of the RMB digital wallet is also under weekly review. The app only allows registering and using users in driving area and testing status. Users outside the driver's area cannot register. And take a moment.

The source told the Financial Associated Press that the digital yuan is still in the experimental stage of its research and development, and the main purpose of this App Store announcement is to improve the user experience and to allow users to install and use digital content. yuan. RMB app being tested.

Improved ease of downloading may mean that digital RMB drivers will develop further in the future.

Driver's Area users can download and save

A Financial News reporter pointed out that users can find and download the digital yuan app (pilot version) by logging in to "digital renminbi" in Apple's mobile app store or Android app stores. If you are a registered user, you can log in immediately. If you haven't already registered, click "Register as a new user", enter your mobile number, enter your credentials and enter your password. Complete registration and implementation.

Compared to downloading and registering the traditional digital Renminbi app, it succeeded in both the simplicity of the process and the waiting time for approval. Previously, users had to register with the administrator to use the digital RMB wallet, but after reviewing the users, the administrators announced the digital RMB beta rules. The app extracts URLs and "invitation rules" before they can be used by users. Complete the registration. The process takes a few business days. With the current pilot version of the app, users of a pilot area or pilot scenario only need 1-2 minutes from download to registration.

A trial version of the Yuan digital app is currently available on the App Store, but is still only available in Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, and Qingdao . . Dalian and Winter Olympic scenes. (Beijing, Zhangjiajie) Username and username. Based on the user's location, the app determines the recording status. Users outside the above areas and events can download the app, but temporarily cannot register and use it.

"Digital RMB is still at the test level, so you won't have to be released for good messages." . By downloading ease, pilot in the city's users do not need to apply for the bank, and easy for users.

After users complete registration, the app can open or add multiple RMB digital wallets. User opened anonymous wallet: Commerce and Industry Bank of China, Agricultural Bank of China, Financial Institution of China, Agricultural Bank of China, Agricultural Bank of China, Telephone Company , Financial Corporation, Corporate Finance Company, MYbank (Alipay) and WeBank (WeChat Payments). You can configure and open "sub-wallets" according to your needs.

Unlike traditional three-tier bank accounts, the RMB digital wallet is divided into four tiers. Here, 4 types of wallets only require a mobile number to complete the registration. This wallet is a rare and anonymous wallet. Basically it is a wallet that users open and after opening it can be changed to a real wallet if needed.

The third type of wallet requires real name recognition of credentials, the second type adds banking information according to the three types of wallets, and the first type has the highest work. face. As a result, market restrictions may also increase due to increased compliance requirements. For example, a class 1 wallet has no restrictions on packaging, while a class 4 wallet only has a maximum limit of 10,000 yuan and a payout limit. 2,000 yuan.

The driver version of the app adds "Touch" and "Paste Post" functionality.

Compared to the original beta version of the digital yuan app, the driving version of the app has more features and additional features such as "Touch One Touch" and "Post Post" for the home menu.

The main features of the previous digital renminbi beta are "Pay by Slip", "Pay by Slip" and "Pay by Scan Code".

The driver version of the app released today offers two access methods: face authentication login and password login. After entering the wallet, a "touch" element has been added in the upper right corner in addition to the deposit button and switch buttons. It is understood that by using the 'touch', it can be received and paid quickly. Since "Touch" uses a short NFC payment method, it is limited to mobile phones that support NFC payment. Payments can be made when the mobile phone is close to the NFC area of ​​the POS terminal or when two NFC mobile phones touch each other. Currently, Apple cell phones only support business apps, and POS terminals and touch cell phones are not supported at this time.

In weak or poor network environment, you can pay in digital yuan by "touch" operation. "Touch" supports online and offline mode, offline mode can be used when the network is disconnected or connected to the Internet, and online mode is only available when connected to the Internet. Types can be changed as needed. Currently, this project uses a variety of features, for example, the "Digital Yuan Hard Wallet Charging File" project in Luohu District, Shenzhen, using "touch and touch" technology.

Also in the "Services" line of the pilot version of the application, there are "Red Envelope" and "Post Post" services under "Other Services". Among them, "red envelope" is the most commonly used red envelope, where users can see, receive and receive the relevant red envelope, and "postal sticker" can be read equipped with a digital wallet RMB and a money back guarantee. Simple controls like login, logout and request hardware wallets.

The capabilities of the Renminbi Numerical Test have been further expanded.

The digital yuan (pilot version) has landed in the mobile phone market, and in the eyes of many people in the industry, this is an important step in promoting the digital yuan pilot. And the digital renminbi engine has also entered a new phase.

Wang Pengbo, senior analyst for financial services at Broadcom Consulting, said the digital renminbi (pilot version) of mobile phone supermarkets could allow more users in the pilot region to be included in the test. The assessment has been further extended. The app's interface features also make it more user-friendly, improving the user experience and paving the way for further expansion in future releases, especially in the future. The depth of the digital renminbi is expected to increase further in the future.

In fact, the renminbi pilot project's capabilities and status have continued to grow over the years. According to central bank data, since June 30 last year, there were 20.87 million personal wallets and more than 3.51 million public wallets for the yuan, and industry figures more of 70.75 million, or about 34.5 billion yuan. On October 22, our country opened a total of 140 million yuan of digital personal wallet and 10 million of wallet enterprises, with a total of 150 million of industrial and packaging volume of nearly 62 billion yuan, with 1.55 million investors already in digital yuan. wallet.

The 2022 venture capital conference stressed that the research and development of the digital renminbi will be stabilized and taken seriously. Insiders have not yet decided the release date of the digital renminbi pilot, but expect the pilot to develop further and the application scenario to be further improved in 2022. At the moment, the pilot of process, network and information security of the digital renminbi will also be the most important points.

"With strong operational momentum, the digital renminbi will be better able to protect data security and financial security." Dong Ximiao, chief researcher at the China Chamber of Commerce and Industry, believes that the digital renminbi adheres to the "minimum and reasonable" principle when writing. If the cost of personal information, personal information is lower than the current one, there are non-bank payment procedures, and the storage and use of personal information is governed by better protection of data security and privacy. user privacy. At the same time, the digital renminbi adheres to the principles of "anonymous control", helping to prevent financial transactions, anti-corruption, financial corruption, etc., things work. Make good use of financial risk management and protection. , cash management and healthcare costs are reduced.

Dong Ximiao also said that the digital renminbi is an important basis for the development of the digital economy and the digital economy of our country. For some time now and in the future, our country needs to strengthen its organization and cooperation, focus on more strengths, and focus on innovation to effectively and efficiently use the digital renminbi of the Winter Olympics of Beijing. After the Beijing Summer Olympics, it was encouraged to expand the driving force to more regions across the country, test the safety, security and reliability of the digital yuan through general testing and thorough implementation, and to further improve and test the management process. . The renminbi's safety, security, and reliability have surpassed the digital yuan through widespread experimentation and deeper demand.