Is digital RMB a virtual currency?

Digital RMB is not a virtual currency. Digital RMB is legal tender in digital form issued by the People's Bank of China, and virtual currency refers to unreal currency. Digital RMB is a real currency with the same value as RMB, but virtual currency is different.

Digital RMB is operated by designated operating institutions and is open to public exchange. 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 compensation, and supports controllable anonymity.

Virtual currency is not issued by monetary authorities, has no monetary attributes such as legal compensation and compulsion, is not a real currency, has no legal status equivalent to currency, cannot and should not be circulated in the market as currency, and citizens' investment and transactions in virtual currency are not protected by law.

1. What are the advantages of digital RMB?

1. Digital RMB is equivalent to cash, which can be directly circulated in different terminal devices without binding bank cards.

2. Digital RMB can be paid directly offline. If there is no internet, just touch two mobile phones to complete the transaction.

3. Digital RMB helps to protect privacy. There are traces of payment methods such as WeChat and Alipay, which are easy to cause privacy leakage. Digital RMB can meet people's normal anonymous needs. For example, micro-payment, digital RMB is like cash, and the other party can't track your consumption.

Second, what are the advantages of digital RMB?

1. RMB digital currency does not bear interest and can be used in small, retail and high-frequency commercial scenes, which is not much different from the use of paper money. It does not depend on bank accounts and payment accounts, as long as users have digital RMB wallets.

2. Digital RMB adopts the latest dual offline technology, which can still be used even if there is no cell phone signal. As long as the mobile phone is equipped with a digital RMB wallet, you can easily complete the transfer or payment.

Third, how to obtain digital RMB.

1. can be obtained through a lucky draw. Digital RMB red envelopes are available in many cities. You can participate in the lucky draw in time, and the winners can get the corresponding red envelopes.

2. You can apply directly to the relevant bank outlets. Residents can apply for opening digital RMB wallets at outlets. The bank staff will show the QR code. After scanning the code, the staff will guide the customer to apply. Generally, some banks can be opened on the spot at the latest on T 2.

3. You can apply at the pilot activities related to digital RMB. Major banks are stepping up their promotion efforts, and consumers will be invited to experience digital RMB at the event site, and access will be opened as soon as possible.

4. Try to apply through the mobile banking channel. Banks such as Bank of China actively send invitation information to many target customers. Customers who receive SMS only need to log in to mobile banking and click the digital RMB icon to open the application.

5. there are already many banks that exchange money through bank ATM machines. TM machine has the function of digital RMB exchange, which can convert the cash in hand into digital RMB.