What is CCB Digital RMB Wallet?

Digital RMB has entered the pilot stage, and China Construction Bank has launched the "Digital RMB Wallet" in its official APP. Users in pilot areas such as Shenzhen, Suzhou and xiong'an new area can apply for digital RMB wallets through CCB app. So what is CCB's digital RMB wallet? Let's get to know each other.

What is CCB's digital RMB wallet?

CCB's digital RMB wallet is a carrier opened by CCB according to the application of individual customers, and it has a legal digital RMB with a unique identifiable number. The use of digital RMB depends on digital RMB wallet. CCB's digital RMB wallet is divided into two types: APP wallet and hardware wallet. APP wallet is a wallet service provided by intelligent applications supporting digital RMB wallet, and hardware wallet is a physical medium for storing digital RMB opened through counters or electronic channels.

According to the user agreement of CCB, digital RMB wallet has the services of inquiry, payment, exchange, redemption, transfer and credit card repayment. And can be "touched" by QR code scanning or NFC. In addition, digital RMB wallets are classified as bank cards. There are one kind of wallets, two kinds of wallets, three kinds of wallets and four kinds of wallets. The balance and payment of the latter three kinds of wallets are capped.

The upper limit of the second-class wallet balance is 6,543,800 yuan, the upper limit of single payment is 5,000 yuan, the daily cumulative payment limit is 6,543,800 yuan, and the annual cumulative payment limit is 300,000 yuan; The maximum balance of three kinds of wallets is 2000 yuan, the maximum single payment is 2000 yuan, the daily cumulative payment limit is 2000 yuan, and the annual cumulative payment limit is 50000 yuan; The maximum balance of four kinds of wallets is 1 1,000 yuan, and the maximum single payment is 500 yuan. Daily accumulative payment limit 1 1,000 yuan, and annual accumulative payment limit 1 1,000 yuan.