The Paper, News Reporter Ye Yinghe

　　"Ding", the phone screen lights up, and a text message reminder jumps to the desktop.

Xiaode, who works in Shenzhen, received a text message for winning the Shenzhen Digital RMB red envelope. At this time, there were few minutes before the official release time of the red envelope at 18:00 on October 12.

　　Just three days ago, when Xiaode was browsing information on an Internet financial service platform, he found news about the Shenzhen Digital RMB red envelope test.

According to the news, the Shenzhen Municipal People's Government and the People's Bank of China have recently launched a digital RMB red envelope pilot program, which will issue 10 million yuan of "Luohu Digital RMB Red Packets" to individuals in Shenzhen, each with an amount of 200 yuan, and the total number is 50,000.

　　Since his profession is related to virtual currency, Xiaode filled out his personal information appointment registration, and found himself successfully drawing a red envelope when he checked the information on the 11th.

Xiaode received a digital RMB red envelope

　　According to the news released by the "Shenzhen Release" on October 11, a total of 1.91 million individuals in Shenzhen successfully completed the appointment registration.

Based on this calculation, the winning rate of the digital RMB red envelope is only 2.6%.

　　"There was not much surprise at the beginning. There are two reasons: one is that there is no expectation of this matter, and the other is that I don't know what the payment scenario will be." Xiaode told The Paper reporter, "For the development of digital RMB, I personally I have been paying attention, guessing that it will replace M0. Thinking about this, why not take a look and try this new thing?"

　　Another Xiaotian who got the red envelope said that it feels very interesting and very lucky to be able to participate in the innovation process of digital currency.

"Not much different from WeChat and Alipay"

　　According to the test instructions, after receiving the winning text message, the digital renminbi red envelope winner must download and install the "Digital RMB APP" according to the SMS guidelines, register and log in to receive the red envelope, and from 18:00 on October 12 to 24 on October 18 When used.

　　The red envelopes are used by 3389 merchants in Luohu District that have completed the transformation of the digital RMB system, including Luohu Mixc, Lucca, Rainbow Department Store, Maoye Department Store, etc., covering shopping malls, supermarkets, daily retail, catering consumption, life services, etc. All categories.

　　Because it was a working day and there was no time to plan a shopping route, Xiaode directly took the subway to Luohu District after get off work to find consumption scenes.

　　When checking out at the Rainbow Supermarket (Dongmen store) in Luohu District, Xiaode noticed a label attached to the cash register with the words "Digital RMB" and "ECNY".

　　"Can I pay with this?" He pointed to the label and asked the cashier.

　　"Yes." After the cashier replied in the affirmative, he told Xiaode to open the Digital RMB App and choose to pay.

　　"The cashier here should be trained." He thought.

　　Later, Xiaode opened his digital RMB wallet interface, swiped up to pay, entered the payment password, and showed the QR code to the cashier. The cashier scanned the code with a code scanner, and Xiaode’s wallet immediately displayed it. A deduction information.

"I chose the QR code (scanned) method to pay, and turned on the small amount of password-free, eliminating the cumbersome steps of secondary verification." He said.

　　Oda's purpose is very clear-want to buy a T-shirt.

On October 13, he went straight to KK Mall in Luohu District to buy a T-shirt.

However, not all the merchants participating in the red envelope pilot in KK MALL have installed upgraded cash register devices. The brands purchased by Oda can only be paid at the general service desk on the first floor.

Oda bought a T-shirt

　　A staff member told The Paper that some pilot businesses were unwilling to upgrade their equipment, so they had to pay at the service desk.

　　On the evening of October 13th, when The Paper reporter visited the Luohu District shopping mall, the staff of many merchants said that so far they have not received the digital RMB red envelope payment.

A staff member of the service desk said that starting from 18.00 on the evening of October 12, he had only received a single digital RMB red envelope payment.

　　For the entire red envelope payment experience process, Oda believes that it is "very good" and "very convenient". At present, it is not much different from Alipay and WeChat, and it is quite convenient.

　　Xiaode said: "Reviewing the entire consumption scene, it is essentially no different from mainstream apps such as WeChat and Alipay. However, the digital renminbi app is very simple and only does the work of the wallet (including consumption, shopping records, etc.) without adding some bloat. I’m very satisfied with the social features of the company.”

"Regret" and "Expectation"

　　Mu Changchun, director of the Central Bank’s Digital Currency Research Institute, once mentioned: “You can imagine a scenario like this: As long as you have a DC/EP digital wallet on your mobile phone, you don’t even need the Internet. As long as the mobile phone has electricity, two mobile phones With a touch, you can transfer the digital currency in one person's digital wallet to another person."

　　According to the screenshot of the digital renminbi wallet issued by the successful applicant, the payment page shows a QR code and the method of Touch. It is not known whether Touch is used for payment or personal transfer.

But in order to experience the payment of one touch, Xiaode went to a bookstore in Luohu District to shop but was eventually told that the function was not activated.

　　"It should be said that I am a little sorry." Xiaode said.

　　During the payment, the POS machine at the cash register in the store failed and could not be connected to the Internet. After restarting, the payment was scanned.

Xiaode said: "According to early news, digital renminbi should meet offline settlement. I have not experienced this payment method, it is somewhat regrettable."

　　What are your expectations for the future central bank digital currency?

　　Oda believes that it depends on whether the digital RMB function can be updated and iterated to compete with Alipay and WeChat.

　　"Now Alipay and WeChat are very convenient. I look forward to whether there will be new features that will allow us to choose digital renminbi." He said.

　　Xiaode mentioned that he hopes that the digital renminbi can be bound to hardware without the need for apps, and payment can be realized through apps such as banks, cloud QuickPass, Alipay, WeChat, and Meituan.

　　“If you use digital RMB apps alone, there may be no incentive unless there is always a subsidy. But once the subsidy needs to be decentralized from the central bank level, it is actually equivalent to a shopping voucher, and more issued will also affect the market price.” He said, for numbers. For the implementation of the renminbi, Xiaode believes that if the digital renminbi can replace cash, it is of great significance to anti-money laundering and monitoring the flow of funds.

　　"I don't know if there is a second test in Shenzhen? I am looking forward to it. Of course, it is better not to draw lots. After all, it is not realistic for me to win consecutive prizes." Xiaode said.