The Director of the Central Bank's Institute of Mathematics Interpretation of the Digital RMB Wallet The
minimum authority wallet can be opened with a mobile phone number
Yesterday was the red packet distribution day of the digital RMB pilot activity of the Beijing "Jingcai Struggle Digital Carnival". The 200,000 lucky winners will receive a 200 yuan digital RMB red packet.
If you want to use red envelopes, you must first open a digital renminbi wallet.
What exactly is a digital renminbi wallet?
What are its functions and uses?
Mu Changchun, director of the Central Bank Digital Currency Research Institute, gave a detailed introduction in his speech at the 13th Lujiazui Forum.
The minimum permission wallet single payment upper limit is 2000 yuan
Mu Changchun pointed out that the digital renminbi wallet is the carrier of the digital renminbi.
According to different dimensions, there are different types of digital RMB wallets.
According to the strength of customer identification, it can be divided into different levels of wallets.
Operating agencies identify customers, and manage digital RMB wallets in layers according to the strength of customer identification, and assign different types of wallets with different per-transaction and daily transaction limits and balance limits based on the strength of their real names.
The four types of digital RMB wallets with the lowest authority are anonymous wallets, with a balance limit of 10,000 yuan, a single payment limit of 2,000 yuan, and a daily cumulative payment limit of 5,000 yuan.
It can be activated only with my mobile phone number, which embodies the design principle of controllable anonymity of digital renminbi.
If you want to pay more than 2,000 yuan to buy something, you can upgrade your wallet, upload your valid ID information and bind bank account information. The payment limit rose to 50,000 yuan, and the cumulative daily payment limit was 100,000 yuan.
Enterprises and institutions can also open public wallets
According to the issuing entity, digital RMB wallets can be divided into personal wallets and public wallets.
Natural persons and individual industrial and commercial households can open personal wallets, and use classified transactions and balance limit management according to the strength of corresponding customer identification; other legal persons and unincorporated institutions can open public wallets, and determine the transaction according to whether to open the counter or remotely And balance limit, the wallet function can be customized according to user needs.
Hard wallets facilitate daily travel for the elderly under the epidemic
According to different carriers, digital RMB wallets can be divided into soft wallets and hard wallets.
Soft wallets include mobile payment apps and services provided by software development kits (SDKs); hard wallets include IC cards, wearable devices, and Internet of Things devices.
For example, we launched a hard wallet product with a health code function for the elderly, which not only provides safe and convenient payment functions, but also facilitates the daily travel of the elderly under the prevention and control of the epidemic.
According to the attribution of authority, digital RMB wallets can be divided into parent wallets and sub-wallets.
The wallet holder can set the main wallet as the parent wallet, and can open several sub-wallets under the parent wallet. Individuals can use the sub-wallets to realize functions such as limit payment, conditional payment, and personal privacy protection in payment scenarios.
For example, if you want to hide private money or something, you can also manage the function of gifts from relatives; companies and institutions can use sub-wallets to realize functions such as fund collection and distribution, accounting processing, and financial management.
analysis
Build a wallet ecological platform
Meet the differentiated needs of users
Mu Changchun pointed out that different combinations of wallets in the above dimensions form a digital renminbi wallet matrix system.
On this basis, the central bank and designated operating agencies jointly develop basic payment function components, and use smart contracts to implement conditional payment functions triggered by time conditions, scene conditions, and role conditions. For example, the fund management function of single-purpose prepaid cards can be avoided. Risks such as roll-offs.
Designated operating institutions and other authorized institutions can further develop complex payment/financial products and build a wallet ecological platform to meet the needs of multiple scenarios and achieve unique functions.
By building a digital renminbi wallet ecology, digital renminbi online and offline full-scenario applications can be realized to meet the differentiated needs of users with multiple subjects, multiple levels, multiple categories, and multiple forms, ensuring that digital renminbi wallets are inclusive and avoiding technical literacy Rely on usage barriers caused by communication networks.
This group of articles / our reporter Cheng Jie