Zhongxin Finance, January 8th (Shi Rui) Recently, the digital RMB (pilot version) App was officially launched in major application markets. On the 7th, Zhongxin Finance noticed that JD.com, Meituan, Ele.me, Tmall Supermarket 49 platforms including Didi Chuxing and Didi Chuxing have been connected to the digital renminbi system.
How to order takeaway, express delivery, and online shopping using digital renminbi payment?
Zhongxin Finance will take you to "play with" the digital RMB (pilot version) App.
Register your mobile phone number to "unlock" the digital renminbi
A few days ago, the Digital RMB (pilot version) App was officially launched in major Android app stores and Apple AppStore.
Currently, digital renminbi is only piloted in Shenzhen, Suzhou, Xiongan, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and Winter Olympics scenes (Beijing, Zhangjiakou), and registration is temporarily unavailable in other regions.
According to the actual measurement of Zhongxin Finance, new users only need to register with their mobile phone number, and then they can use the Digital RMB (pilot version) App to make online and offline payments. The method of use is similar to electronic payment tools such as Alipay and WeChat Pay.
After new users complete the digital RMB (pilot version) App registration, they can choose to open the 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, Internet Commercial Bank (Alipay), WeBank (WeChat Pay) digital wallets of these nine banks.
Personal digital wallets are divided into four levels. Four types of wallets can be processed with only a mobile phone number. The transaction restrictions are relatively strict. The upper limit of a single payment is 2,000 yuan and the upper limit of the balance is 10,000 yuan. The first type of wallet has no transaction restrictions, but The processing requirements are the most stringent, requiring a mobile phone number, ID card, my bank account, and an on-site signature by the operating agency.
Image source: Digital RMB (pilot version) App
For eating, drinking and having fun, the digital RMB app is already available
As long as they have a digital wallet, users can realize offline collection and payment of digital renminbi.
Users can "scan" the QR code of the other party's payment on the homepage of the Digital Renminbi (pilot version) App to pay for digital renminbi; to receive payments, they need to pull down the digital wallet page to display the payment code, which can be displayed by others by scanning the page The QR code for payment to the holder of the digital wallet.
In addition, users can see the "digital RMB" in Alipay (only piloted in Shanghai, not activated in other cities) and WeChat APP after opening the digital wallets of Internet Merchants Bank (Alipay) and WeBank (WeChat Pay) Entrance.
The digital RMB App currently being piloted is also connected to a variety of online payment scenarios, and users can use it by adding "sub-wallets".
According to statistics from Zhongxin Finance, the Digital RMB (pilot version) App has been launched on the sub-wallet page for 49 merchants, including shopping, travel, life, tourism, and other categories, including JD.com, Meituan, Ele.me, Tian Internet merchants such as Mao Supermarket, Didi Chuxing, Bilibili, Kuaishou, iQiyi, Tencent Video, Baidu, etc., as well as common daily life such as SF Express, Internet State Grid (for electricity bill payment), Sinopec, China Telecom Yipay, etc. Payment scenario.
Image source: Digital RMB (pilot version) App
What is the difference between Digital RMB APP and WeChat and Alipay?
Zhongxin Finance used digital RMB to pay for Meituan and Ele.me orders, using a similar method to electronic payment tools.
First, charge the digital wallet. There are currently two ways: transfer from mobile banking, bank card charge, then add Meituan and Ele.me into the sub-wallet for authorization, then open Meituan and Ele.me to place an order normally. , Select the digital renminbi sub-wallet at "choose payment method" to complete the digital renminbi online payment.
On January 7, Zhongxin Finance also used digital renminbi to pay for taxi fares. The payment process tips are as follows: First, recharge the personal digital wallet. There are currently two ways: transfer from mobile banking, recharge from bank card, and then transfer A taxi app is added to the list of sub-wallet merchants, then open the taxi app to place an order normally, and select digital renminbi payment in the "payment method" to complete the digital renminbi online payment.
According to the central bank, although the payment functions are similar, there are certain differences between digital renminbi and electronic payment tools: First, the digital renminbi is the country's legal tender and is the asset with the highest security level.
The second is that the digital renminbi has value characteristics, can transfer value without relying on bank accounts, supports offline transactions, and has the feature of "payment as settlement".
Third, the digital renminbi supports controllable anonymity, which is conducive to protecting personal privacy and user information security.
According to Zhongxin Finance, the central bank has long attached great importance to the research and development of legal digital currencies.
From 2014 to 2016, the central bank established a legal digital currency research group to start research work related to legal digital currency. The digital renminbi research and development work began at the end of 2017, and the digital renminbi pilot test was carried out at the end of 2019.
According to the "FinTech Development Plan (2022-2025)" recently released by the Central Bank, "digital drive" will still be the development principle of the Central Bank in the next four years. Digital RMB will be implemented in more scenarios, allowing more people to enjoy convenience And Pratt & Whitney.
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