Original title: The digital RMB APP has been updated again!
Two new functions have been added, and digital RMB red envelopes can be issued during the Chinese New Year
During the Chinese New Year this year, users can send digital RMB red envelopes to relatives and friends on social platforms such as WeChat, QQ, and Alipay.
Recently, the digital renminbi app has completed a version update again, adding two functions of "exclusive avatar" and "cash red envelope".
Among them, cash red envelopes include three categories: "cash red envelopes", "group red envelopes" and "exclusive red envelopes", which can be collected or distributed through the digital RMB APP or social platforms such as WeChat, QQ, and Alipay.
From the perspective of the industry, digital renminbi is the most likely medium to open up the ecology of different Internet platforms. The fact that digital renminbi red envelopes can be issued on different platforms also reflects the concept of payment interconnection.
The central bank has stated that it will realize the interconnection between the digital renminbi system and traditional electronic payment tools, so that consumers can "scan with one code".
The digital renminbi APP will be updated again
On December 24, the digital renminbi APP was updated again. The updated APP icon removed the "beta version" logo, and added two new functions: an exclusive avatar and a cash red envelope.
The exclusive avatar function means that users can choose one of the 6 avatars automatically generated by the APP as their exclusive avatar.
It is understood that the avatar generated by the APP is based on the image of the digital RMB IP "Yuanyuan".
The promotion strategy of the digital RMB APP is also embedded in this function.
The page description shows that each exclusive avatar is unique and will not be repeated with other users. By default, each account only has one chance to generate an avatar, but users can generate a new avatar again through the "Pull New Activity". Register a new user, you can increase the chance to generate a new avatar.
Cash red envelopes are divided into three categories: "cash red envelopes", "group red envelopes" and "exclusive red envelopes".
"Cash red envelopes" can be issued on the digital renminbi APP, and can be collected on the digital renminbi APP or WeChat, QQ, Alipay and other platforms; "group red envelopes" can be issued through WeChat, QQ, Alipay and other social platforms. The types of red envelopes are divided into lucky and hand There are three types: speed and average amount; "exclusive red envelopes" can be sent to designated contacts through mobile phone numbers.
Unlike "consumer red envelopes" issued by the government, enterprises and other units, which have specified usage conditions and cannot be deposited back into bank accounts, cash red envelopes are a kind of digital RMB red envelopes that are directly included in the balance of digital wallets. There are no usage restrictions after cash red envelopes are received and can be used to pay or deposit back into the account.
In addition, the "Payment without Network and Electricity" function of the digital RMB APP has also been unveiled. Users can add their personal wallets to "Mobile PAY" or SIM cards to open hard wallets.
It is reported that after some users of Android mobile phone models open the mobile PAY hard wallet, they can see the entrance of "payment without network and electricity".
Pilot areas will be expanded within the year
It is understood that the digital renminbi APP is China's legal digital currency - the official service platform for digital renminbi to carry out pilot projects for individual users, providing digital renminbi personal wallet opening and management, digital renminbi exchange and circulation services.
The digital renminbi will carry out research and development trials in pilot areas and pilot scenarios, and pilot customers can register for the digital renminbi app.
On December 16, according to the "Financial Times" report, the scope of the digital renminbi pilot was expanded again. On the basis of the existing pilot areas, it was expanded from the previous Shenzhen, Suzhou, Xiongan, and Chengdu to Guangdong, Jiangsu, Hebei, and Sichuan provinces. , and newly added Jinan City in Shandong Province, Nanning City in Guangxi Zhuang Autonomous Region, Fangchenggang City, Kunming City in Yunnan Province, and Xishuangbanna Dai Autonomous Prefecture as pilot areas.
The reporter checked the digital renminbi APP and found that the expansion of the pilot scope was clearly marked in the category of "wallet type and limit description".
Existing pilot areas include: Beijing, Tianjin, Hebei Province, Dalian, Shanghai, Jiangsu Province, Zhejiang (Hangzhou, Ningbo, Wenzhou, Huzhou, Shaoxing, Jinhua), Fujian (Fuzhou, Xiamen), Shandong (Jinan, Qingdao), Changsha , Guangdong Province, Guangxi (Nanning, Fangchenggang), Hainan Province, Chongqing, Sichuan Province, Yunnan (Kunming, Xishuangbanna), Xi'an.
It has been nearly 3 years since the digital renminbi has been carried out as a normalized pilot.
Since the end of 2019, the People's Bank of China has carried out digital renminbi pilots in two batches of "10+1" pilot areas and scenarios, including cities such as Shenzhen, Suzhou, and Xiongan, as well as scenarios involving the Winter Olympics.
In April of this year, the People's Bank of China announced the third batch of digital renminbi pilot areas, adding Tianjin, Chongqing, Guangzhou, Fuzhou, Xiamen, and six cities in Zhejiang Province hosting the Asian Games as pilot cities.
Then in September, relevant people from the central bank publicly stated that they would promote the expansion of the digital renminbi pilots in Shenzhen, Suzhou, Xiongan, and Chengdu to the entire province in due course.
At present, 26 regions in 17 provinces and cities across the country have launched digital renminbi pilots.
At the same time, with the issuance of "digital renminbi consumption red envelopes" in many places during the year to boost consumption, the public's awareness of digital renminbi is also growing.
The article "Carrying out the Pilot Work of Digital RMB Research and Development" published by the Central Bank's Digital Currency Research Institute in October also pointed out that in 2022, the governments of the pilot regions will focus on "promoting consumption", "fighting the epidemic" and "low-carbon travel". Nearly 30 digital RMB consumption red envelope activities.
(Brokers China)