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A turning point for the RMB to become a world currency: China Digital RMB! - YouTube
Channel: unknown
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hi everyone welcome to china technology
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channel where we follow the latest
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science and technology developments in
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china today we are talking about the
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issue of cny's progress
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china digital currency is popularizing
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the digital rmb app is now available
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digital renminbi the letter abbreviation
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tentatively designated as ecny in
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accordance with international usage
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practices is a digital legal currency
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issued by the people's bank of china it
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is operated by designated operating
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agencies and exchanged with the public
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it is supported by a broad account
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system based on the loose coupling
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function of bank account is equivalent
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to bank notes and coins has value
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characteristics and legal compensation
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and supports controllable anonymity
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the concept of digital renminbi has two
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key points
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one is that the digital renminbi is
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legal tender in digital form the other
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is that it is equivalent to banknotes
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and coins the digital renminbi is mainly
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positioned at m0 that is cash and coins
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in circulation it is mainly positioned
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as a cash payment voucher which will
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coexist with the physical r b for a long
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time and is mainly used to meet the
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public's demand for digital cash and
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help inclusive finance
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the research and development test has
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basically completed the top level design
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function research and development system
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debugging etc and is following the
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principles of stability safety
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controllability innovation and
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practicality and selected representative
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regions to carry out pilot tests
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digital rmb app is now on the open
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market on january 4th the editor found
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that the digital rmb app had quietly
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been put on shelves in the apple app
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store and major mainstream android
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markets
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this means that users in the pilot areas
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of digital renminbi will be able to
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access the digital renminbi app more
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conveniently
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list users in pilot areas can register
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including 10 cities plus winter olympics
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scene according to the official
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introduction the digital renminbi pilot
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version app is the official service
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platform of china's legal digital
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currency digital renminbi for individual
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users to conduct pilot trials providing
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digital renminbi personal wallet opening
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and management digital renminbi exchange
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and circulation services
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the app developer is the digital
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currency research institute of the
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people's bank of china at present the
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digital renminbi is still in the routine
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testing stage in the research and
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development process and the whitelist
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users in the pilot regions selected by
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the designated operating institutions of
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the digital renminbi can register for
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the app the pilot areas include shenzhen
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suzhou xiongon qingdu shanghai hainan
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changsha xian qingdao dalian and the
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winter olympics scenes beijing
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zhangjiago
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users need to judge whether they meet
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the registration conditions based on
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their location the sub-wallet page of
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the app shows that users can select
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merchants and push sub-wallets to
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realize secret free payment using
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digital renminbi at merchants the
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reporter saw in the merchant list that
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there are already many merchants to
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choose from such as jd.com
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mate one e l e dot me tmall supermarket
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dd trip by libel i duodean and sinopac
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screenshot from the digital rmb pilot
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version app according to china central
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broadcasting corporation with the
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advancement of digital renminbi pilot
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work digital renminbi application
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scenarios are gradually expanding muchon
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chun director of the digital currency
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research institute of the people's bank
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of china previously stated in public
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that as of october 22nd 2021
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140 million digital renminbi personal
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wallets and 10 million corporate wallets
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had been opened and the cumulative
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number of transactions reached 150
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million the transaction volume is close
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to 62 billion yuan
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1.55 million merchants support digital
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renminbi wallets covering public
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utilities catering services
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transportation shopping and government
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affairs
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here are some questions about digital
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rmb app which application markets have
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digital rmb apps available the
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application market on the shelves
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includes apple app store huawei xiaomi
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oppo vivo mobile application market app
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treasure 360 mobile assistant baidu
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mobile assistant ppod and other android
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markets the scope of this listing is
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limited to the chinese application
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market
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why is the digital rmb app available now
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in the early digital rmb pilot
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activities whitelist users installed the
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app by obtaining redemption codes and
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installation packages which caused
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problems such as long installation steps
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complicated operations and inability to
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repeatedly download and use them in
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order to improve the user experience
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combined with the large amount of
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feedback and suggestions received in the
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previous pilot activities the launch of
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this digital rmb app was launched
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compared with the previous version which
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features have been upgraded for the
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digital rmb version listed this time the
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on the shelf version has been optimized
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and improved in terms of visual
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interaction functional flow and
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scalability does this listing mean that
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the digital renminbi will land
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nationwide the digital renminbi is still
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in the routine testing stage in the
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research and development process
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the main purpose of this launch is to
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enhance the user experience and
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facilitate users to install and use the
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digital rmb app in the pilot test
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activities
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can i use the digital rmb app if i don't
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have a bank card for industrial
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agricultural china construction
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communications postal savings china
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merchants bank internet commercial bank
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and we bank can there is no need to hold
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a bank card to open a digital wallet you
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can open a wallet of any operating
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institution by providing your mobile
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phone number at the same time in order
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to make the digital renminbi business
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benefit more users and create a good
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circulation environment the digital
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renminbi app supports card holders of
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other commercial banks to recharge
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digital renminbi wallets opened in
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operating institutions
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at present commercial banks such as
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siddiq everbright shanghai pudong
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development menshin china penguin
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industrial guangpha jichong bank of
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beijing
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bank of shanghai and bank of nanjing
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have all supported them and more
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commercial banks are being connected can
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digital renminbi be used anonymously in
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order to meet users small and high
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frequency anonymous payment needs
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digital renminbi allows anonymous
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wallets to be opened with only mobile
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phone numbers in accordance with the
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network security law personal
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information protection law and other
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relevant laws and regulations in order
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to protect users personal information
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telecom operators must not violate
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relevant regulations to disclose
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customer information corresponding to
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mobile phone numbers to third parties
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therefore use mobile phone numbers to
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open the four types of wallets of lily
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are completely anonymous and neither the
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people's bank of china nor the operating
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institutions have the real name
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information of wallet users
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at the same time the digital renminbi
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adopts a push sub-wallet design to
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protect personal privacy when using
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digital renminbi to pay on the
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e-commerce platform we package the users
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payment information for encryption and
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push it to the e-commerce platform in
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the form of a subwallet the platform
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does not know the user's personal
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information and realizes the privacy
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protection of the user's core
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information with digital renminbi will
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user transaction information be
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monitored and tracked the digital
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renminbi follows the principle of small
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amount anonymous large amount traceable
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according to law attaches great
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importance to personal information and
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privacy protection fully considers the
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business risk characteristics and
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information processing logic under the
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existing electronic payment system and
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meets the public's demand for small
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amount anonymous payment services
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at the same time prevent digital
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renminbi from being used in
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telecommunications fraud online gambling
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money laundering tax evasion and other
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illegal and criminal activities and
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ensure that relevant transactions comply
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with anti-money laundering and
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anti-terrorist financing requirements
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the digital renminbi system collects
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less transaction information than
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traditional electronic payment models
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and does not provide it to third parties
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or other government departments unless
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it is clearly stipulated by laws and
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regulations
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in a conclusion china's research and
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development of the digital renminbi
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system aims to create a new type of
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renminbi in digital form for the purpose
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of meeting the public's cash demand
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under the conditions of the digital
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economy with the financial
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infrastructure that supports the retail
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payment field that is reliable stable
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fast and efficient continuous innovation
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and open competition to support the
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development of china's digital economy
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improve the level of inclusive finance
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development and improve the operating
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efficiency of the currency and payment
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system the development and application
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of legal digital currency is conducive
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to efficiently satisfying the public's
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demand for legal currency under the
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conditions of the digital economy
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improving the convenience security and
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anti-counterfeiting level of retail
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payments and boosting the accelerated
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development of china's digital economy
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that's all there is to it for today this
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is channel china technology thanks for
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