Recently, the digital renminbi (pilot version) app was officially launched in major application markets. On the 7th, 49 platforms including JD.com, Meituan, Ele.me, Tmall Supermarket, and Didi Chuxing have been connected to the digital renminbi system.
How to order takeout, send express, and shop online using digital RMB payment? The reporter takes you to “play” the digital RMB (pilot version) App.
Mobile phone number registration can “unlock” digital renminbi
A few days ago, the digital RMB (pilot version) App was officially launched in major Android app stores and Apple AppStore. At present, the digital renminbi is only piloted in Shenzhen, Suzhou, Xiong’an, Chengdu, Shanghai, Hainan, Changsha, Xi’an, Qingdao, Dalian and the Winter Olympics (Beijing, Zhangjiakou), and registration in other regions is temporarily unavailable.
According to the reporter’s actual measurement, new users can use the digital RMB (pilot version) App to make online and offline payments only after registering with their mobile phone numbers.
After new users complete the digital RMB (pilot version) App registration, they can choose to open 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), WeBank (WeChat Pay) is the digital wallet of these nine banks.
Personal digital wallets are divided into four levels, of which four types of wallets can be processed only by mobile phone numbers, and the transaction restrictions are relatively strict. The handling requirements are the most stringent, requiring a mobile phone number, ID card, personal bank account, and an on-site signature by the operating agency.
Image source: Digital RMB (Pilot Version) App
Eating, drinking and having fun, all digital RMB apps can be used
As long as they have a digital wallet, users can realize the offline collection and payment of digital RMB. Users can “scan” on the homepage of the digital RMB (pilot version) App to scan the QR code of the other party to pay for digital RMB; to receive payment, they need to pull down the digital wallet page to display the payment code, which can be displayed by others by scanning the page. QR code to make payments to digital wallet holders. In addition, after opening the digital wallets of MYbank (Alipay) and WeBank (WeChat Pay), users can see “digital RMB” in Alipay (only piloted in Shanghai, other cities have not yet launched) and WeChat App. Entrance.
The current pilot digital RMB App also has access to a variety of online payment scenarios, which users can use by adding “sub-wallets”.
According to the reporter’s statistics, the digital RMB (pilot version) App has now launched 49 merchants on the sub-wallet page, including shopping, travel, life, tourism, and several other categories, including JD.com, Meituan, Ele.me, and Tmall Supermarket , Didi Chuxing, Bilibili, Kuaishou, iQiyi, Tencent Video, Baidu and other Internet merchants, as well as SF Express, State Grid Online (for electricity bill payment), Sinopec, China Telecom WingPay and other common payment scenarios .
What is the difference between the digital RMB App and WeChat and Alipay?
The reporter paid for the orders of Meituan and Ele.me with digital renminbi, in a similar way to electronic payment tools. First, charge the digital wallet. There are currently two ways: transfer money from mobile banking, charge money from bank card, then add Meituan and Ele.me to the sub-wallet for authorization, and then open Meituan and Ele.me to place an order normally , and select the digital RMB sub-wallet in “Select payment method” to complete the digital RMB online payment.
On January 7, the reporter also used digital renminbi to pay for taxis. The payment process tips are as follows: First, charge your personal digital wallet. There are currently two ways: transfer money from mobile banking, charge your bank card, and then transfer a certain taxi The app is added 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 digital RMB online payment for the taxi fare.
According to the central bank, although the payment functions are similar, there are certain differences between digital renminbi and electronic payment tools: First, digital renminbi is the national legal tender and is the asset with the highest security level. Second, the digital renminbi has the characteristics of value, which can transfer value without relying on bank accounts, supports offline transactions, and has the characteristics of “payment is settlement”. Third, the digital renminbi supports controllable anonymity, which is conducive to protecting personal privacy and user information security.
According to the reporter’s understanding, the central bank has attached great importance to the research and development of legal digital currency very early. From 2014 to 2016, the central bank established a legal digital currency research group to start research work related to legal digital currency. At the end of 2017, the research and development of digital renminbi began, and at the end of 2019, the pilot test of digital renminbi was carried out. According to the “Fintech 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 renminbi will be implemented in more scenarios, allowing more people to enjoy convenience and Pratt & Whitney.
Posted by:CoinYuppie，Reprinted with attribution to:https://coinyuppie.com/one-article-to-understand-the-digital-rmb-app/
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