How to open digital RMB?

First log in to the Construction Bank app and enter the home page. The home page has an entrance to display digital RMB. Click register. After successful registration, click Create to confirm personal information, including name, ID number and mobile phone number, in which bank card is optional. You need to read the Personal Customer Service Agreement of Digital RMB Wallet of China Construction Bank, click OK to open it, and fill in the SMS verification code to open digital RMB.

Operating environment: iPhone 12ios 14.7 China construction bank app:5.2.0.

1. Digital RMB, abbreviated as "e-CNY" according to international usage practices, is legal tender in digital form issued by the People's Bank of China, operated by designated operating institutions and exchanged for the public. Based on the generalized account system, it supports the loose coupling function of bank accounts, which is equivalent to paper money and coins, has value characteristics and legal compensation, and supports controllable anonymity. The concept of digital RMB has two key points. One is that digital RMB is legal tender in digital form; Another point is that it is equivalent to paper money and coins. Digital RMB is mainly located in M0, that is, cash and coins in circulation. Mainly positioned as cash payment voucher (M0), which will coexist with physical RMB for a long time, and is mainly used to meet the public's demand for digital cash and help inclusive finance. At present, the R&D experiment has basically completed the top-level design, functional research and development, system debugging and other work, and is following the principles of stability, safety, controllability, innovation and practicality, and selecting some representative areas to carry out pilot tests.

2. The characteristics of digital RMB:

(1) Legal tender: Digital RMB is issued by the People's Bank of China and is legal tender with national credit endorsement and legal repayment ability.

(2) Two-tier operation system: Digital RMB adopts two-tier operation system. That is, the People's Bank of China does not directly issue and exchange the central bank's digital currency to the public, but first exchanges the digital RMB to designated operating institutions, such as commercial banks or other commercial institutions, and then these institutions exchange it to the public.

(3) Based on the generalized account system: Under the current digital currency system, anything that can form a unique personal identity can become an account. For example, the license plate number can be a sub-wallet of digital RMB, which can be paid by highway or when parking. This is the concept of generalized account system.

(4) Support for loose coupling of bank accounts: Support for loose coupling of bank accounts means that digital RMB wallets can be opened without bank accounts.