已接入支付宝还可匿名使用 数字人民币到底是什么?

2021年05月17日 3689点热度 0人点赞 634条评论

已接入支付宝还可匿名使用 数字人民币到底是什么?

已接入支付宝还可匿名使用 数字人民币到底是什么? 来源:白话区块链

  据财联社报道,支付宝已对部分用户上线数字人民币模块,并支持用户转账、收款等服务,其中,转账方式可支持‘钱包编号转账’,也可支持‘手机号或邮箱转账’。

进入支付宝白名单的测试用户可在支付宝 App 中‘我的’一栏中看到‘数字人民币’模块,与花呗、银行卡等并列。点开‘数字人民币’模块,按照指令输入姓名等信息,即可注册网商银行数字人民币钱包,该钱包可以选择‘实名使用’,也可选择‘匿名使用’,但一个支付宝账号仅能开通一个钱包。

看到这条新闻的你可能有些疑惑,数字人民币到底是什么,会不会和微信支付宝成竞争关系,它和区块链又有什么关系?今天就让我们来一探究竟。

数字人民币是什么?

数字人民币是央行直接发行的人民币数字货币,和纸钞一样,只不过是电子形式的,如果你有钱包,就可以直接去央行指定的地点兑换数字人民币,不需要绑定任何银行卡账号。

像上面新闻中提到的,数字人民币的钱包内嵌在支付宝里面,也可以内嵌在各种银行账户里面,未来也可能出现数字人民币的专用钱包APP,有了钱包地址就能转入转出数字人民币。

已接入支付宝还可匿名使用 数字人民币到底是什么?

当然,目前我们看到大部分数字人民币的测试,都是政府直接以福利的方式发到大家的钱包地址里面,比如前段时间的深圳、苏州数字人民币红包福利发放等,凭钱包地址的余额就可以去消费了,还没有涉及到指定地点兑换数字人民币。

另外,数字人民币和纸钞一样,有两个特点。一是在没有网络的情况下可以直接转账,只要两个手机都有电,在断网的情况下也不影响转账;二是可以实现匿名支付的功能。

数字人民币和微信支付宝是竞争关系吗?

其实没有竞争关系,数字人民币是央行直接发行的钱,微信和支付宝只是支付工具而已,微信支付宝里面的钱来自商业银行,商业银行的钱来自央行发行的纸钞。

已接入支付宝还可匿名使用 数字人民币到底是什么?

所以差别在于微信和支付宝是管道,管理里面的“水”是央行发行的现金纸钞,央行发行的另外一种“水”叫数字人民币,但数字人民币不直接走微信支付宝这个管道。

所以数字人民币和微信支付宝不是同一个维度上的东西,不存在竞争关系。

已接入支付宝还可匿名使用 数字人民币到底是什么?

相反,两者未来会存在大量的合作关系,毕竟数字人民币要大范围地推广开来,需要微信支付宝等渠道提供协助,比如上面新闻提到的,支付宝APP上线数字人民币模块,让数字人民币快速拥有了支付宝近10亿用户。

数字人民币和区块链有啥关系?

从目前的情况来看,数字人民币的发行是中心化的,由央行统一发行,但是在底层技术方面借鉴了一些区块链技术原理,比如数字人民币小额匿名转账等,方便脱离现有银行账户体系的的绑定,不过具体实现方式没有披露太多。

同时央行提出,数字人民币采用“双层运营体系”,即上面一层是人民银行对商业机构,下面一层是商业机构对普通大众。央行不预设中心化或去中心化的技术路线,不管商业机构采用区块链的或中心化的技术方式来提供数字人民币的兑换,央行都能适应相关技术和手段。

  数字人民币有何价值?

数字人民币是我国央行发行的数字货币,目前全球央行都在积极探索数字货币发行,我们的数字人民币的研发走在世界前列,已经在不少试点城市开始测试。

数字人民币的发行对目前的金融系统是种很好的补充。在全球70多亿人口里,截至2017年依然有17亿人未接触到金融系统,无法享受传统银行提供的金融服务。

央行数字货币的大范围使用,在不需要布设高成本的银行等基础设施的情况下,将这些金融系统之外的人吸纳进来,享受金融发展带来的好处。

尤其在跨境支付中,一旦全球的央行数字货币实现统一标准,将极大地提高跨境支付的效率,同时大幅度降低成本。这也是Facebook的Libra白皮书一经发布,瞬间引发全球央行高度重视的原因之一。

当然,加强宏观调控也是现在全球各国央行发行数字货币的重要指标,毕竟,数字货币的发行相比传统货币更加透明,中间流程环节更少,方便央行更好地控制资金流向,做好宏观经济调控。

 

    Kratos

    保持饥渴的专注,追求最佳的品质

    文章评论

  • epheria

    <a href=https://iverstromectol.com/>stromectol dosage for head lice</a> Zithromax Alcohol Interaction

    2022年8月21日
  • Graidly

    by George Kirtley Tim Shaw - Narrative short <a href=https://cialisfstdelvri.com/>buy cialis online prescription</a> But there s a long way to get there

    2022年9月1日
  • speacycle

    Learn how to get your BlueChew Free Sample <a href=http://cialisfstdelvri.com/>cialis on sale in usa</a>

    2022年9月2日
  • Diewslepe

    Imatinib is responsible for the overstimulation of melaninogenesis in certain cutaneous and mucosal areas <a href=http://priligy.me/>priligy tablets price</a>

    2022年11月11日
  • Playedy

    <a href=https://lasix.autos/>lasix side effects in dogs</a> 2001 Feb; 121 2 163 72

    2022年11月17日
  • SefeLoafe

    <a href=https://doxycycline.world/>doxycycline purchase in china</a> Translesion DNA Synthesis across the heptanone etheno 2 deoxycytidine adduct in cells

    2022年11月19日
  • Sletary

    3 G; two way ANOVA main effect of genotype F 2, 55 2 <a href=https://stromectol.ink/>stromectol side effects</a>

    2022年11月21日
  • Onexoboro

    81 euros onconcerns it could get sucked into a bid battle and the cost ofinsuring its debt against default jumped on expectations itwould raise new debt to fund a deal <a href=https://clomid.mom/>ovulating with clomid</a> Tumori 1996; 82 96 98

    2022年11月22日
  • Iaqakk

    order levaquin 250mg online cheap <a href="http://gnlevaqu.com/">buy levaquin 500mg generic</a>

    2022年12月1日
  • Gitsstype

    In addition, the observed anti cancer activity of G <a href=https://nolvadex.lol>nolvadex dosage for epistane</a> A recent study found no increase in the overall cancer rate in patients treated with rituximab, a chimeric monoclonal antibody against the protein CD20, compared to those treated with disease modifying anti rheumatic drugs 69, 70

    2022年12月11日
  • Gaeiai

    indocin buy online <a href="https://fstindoci.com/">purchase indocin online cheap</a> cheap amoxicillin 250mg

    2022年12月11日
  • Lwekek

    deltasone 10mg canada <a href="https://getprednisx.com/">brand deltasone 5mg</a> sildenafil 50mg usa

    2022年12月14日
  • Poepsypup

    ISOPTIN reduces afterload and myocardial contractility <a href=https://clevitras.cyou>meilleurs prix generique levitra forum</a> Hypotension and bradycardia mediated by vasovagal reflexes

    2022年12月14日
  • GeatheNah

    The present study provided a foundation for future clinical investigations of potential genetic biomarkers that may enable selection of patients for the greatest benefit from AF treatment <a href=https://propecia.one>propecia walmart</a>

    2022年12月16日
  • ordesee

    <a href=https://cialis.pics>where to buy cialis</a> Within a week of taking that drug, I felt the life force drain from me

    2022年12月20日
  • Lsoadu

    zoloft 100mg price <a href="https://buyvgrsil.com/">Canada meds viagra</a> sildenafil 100mg canada

    2022年12月23日
  • Zhksnj

    naltrexone 50 mg for sale <a href="https://galbendazole.com/">albenza 400 mg us</a> abilify for sale online

    2022年12月26日
  • Shertb

    nootropil online order <a href="https://buyedvgr.com/">buy viagra 50mg sale</a> buy viagra 100mg for sale

    2022年12月30日
  • seizava

    8 and hot flushes 43 <a href=https://lasix.mom>lasix mechanism of action</a>

    2023年1月24日
  • BypeSpeva

    <a href=https://clomid.beauty>clomid fast shipping</a> The 3, 125 women randomized to anastrozole were comparable to the 3, 116 women assigned to tamoxifen and the 3, 125 women assigned to combination therapy in terms of average age 64 years, body mass index 27 kg per m 2, hysterectomy status 28 percent, and prior use of hormone replacement therapy 35 percent

    2023年1月26日
  • Jophack

    <a href=https://cialis.hair>tadalista vs cialis</a> Andersson ML, Mannheimer B, Lindh JD

    2023年1月26日
  • Dodgjv

    buy trazodone 100mg online <a href="https://etrazodonep.com/">trazodone 50mg tablet</a> sildenafil medication

    2023年1月27日
  • oceapaf

    Diflunisal Tablets USP <a href=http://doxycycline.buzz>azithromycin vs doxycycline</a> 33 Patients with high flow priapism often complain of a persistent, yet painless, erection

    2023年1月28日
  • Wredlekly

    <a href=https://stromectol.skin>stromectol for sale</a> Like ARBs, they act on the renin angiotensin aldosterone system RAAS

    2023年1月28日
  • Ofnfpd

    buy azithromycin without prescription <a href="https://egabapentinp.com/">neurontin for sale</a> buy neurontin without prescription

    2023年1月31日
  • Stooxygog

    <a href=https://priligy.buzz>priligy amazon uk</a> USES This medication is used to treat manic depressive disorder bipolar disorder

    2023年1月31日
  • Cznfnd

    online gambling <a href="https://gamodafinil.com/">modafinil 200mg oral</a> order modafinil 200mg generic

    2023年2月1日
  • clainge

    <a href=http://nolvadex.hair>tamoxifen breast cancer prevention</a> Peakall, and B

    2023年2月1日
  • Swigown

    Whenever someone to clomid resistant to any other allergies <a href=https://propecia.skin>finasteride costco</a> Most studies published to date deal mainly with reactions to the beta lactam group, and information on hypersensitivity to each of the other antimicrobial agents is scarce

    2023年2月2日
  • Wredlekly

    <a href=https://lasix.buzz>lasix Hungary</a> The VMTP preparation Actival Szterin film coated tablet, BГ©res Pharmaceuticals, Budapest, Hungary; for content see Table 1 and Additional file 1 Table S1 investigated in the present study is a commercially available food supplement in several countries in Europe

    2023年2月2日
  • BefBraila

    Konertz W, Schneider M, Herwig V, Kampmann C, Waldenberger F, Hausdorf G <a href=http://cialis.makeup>cialis prescription</a>

    2023年2月2日
  • Renehoara

    I make my own mayo now <a href=http://nolvadex.pics>tamoxifen over the counter</a> PMID 27058770

    2023年2月2日
  • Zjkyag

    buy biaxin 500mg <a href="https://buyclonidinep.com/">purchase clonidine generic</a> buy antivert 25mg online cheap

    2023年2月9日
  • Cpnhpq

    order albuterol generic <a href="https://bpantopr.com/">pantoprazole generic</a> cipro 1000mg without prescription

    2023年2月10日
  • Htcnyg

    purchase spiriva generic <a href="https://aterazosinc.com/">hytrin 5mg for sale</a> buy terazosin 1mg

    2023年2月11日
  • Nyskbu

    order singulair 5mg without prescription <a href="https://gnvgraonline.com/">viagra overnight delivery</a> cheap sildenafil for sale

    2023年2月12日
  • Ovofzt

    actos 30mg uk <a href="https://buy50vgr.com/">purchase viagra pills</a> purchase viagra sale

    2023年2月13日
  • Brzkfo

    buy tadalafil 20mg pill <a href="https://edclspls.com/">Cialis women</a> buy tadalafil for sale

    2023年2月13日
  • Pap

    There are several types of Hyaluron Pen. The price variation is due to the technology and quality of the hyaluron pen (number of pulses, product lifespan and grip). Allure asked Dr. Sunder, Dr. Sundaram, and Kavita Mariwalla, M.D., a board-certified dermatologist in West Islip, New York, to evaluate some seen-on-social-media hyaluron pens. As expected, no needle doesn't mean no problem: hyaluron pens can threaten our health and appearance in several significant ways. BENEFITS Like other types of dermal fillers, HA injections are strategically used by cosmetic surgeons to address concerns related to loss of volume. Specifically, HA lip injections may offer the following benefits. Needle-free devices go by a variety of names, including hyaluron pens, Hyla-Pen, microinjectors, non-invasive injection pens, non-invasive nebulizer syringes, high-pressure pens, and sprayer pens. These pressure-powered pens serve as a way for people with diabetes to safely administer daily insulin and deliver anything from vaccines to Cortisone. However, illegal hyaluron pens force hyaluronic acid and other unknown filling agents into the lips (or other facial features) creating a recipe for disaster.
    https://murvual.com/discussion/profile/staciadickerson/
    There is a version of this product, called Revanesse® Versa+™, that comes pre-incorporated with lidocaine. This version is generally available at the same price point as the classic formula, and there are no other notable differences. You’ve had your fill of looking in the mirror and not liking what you see. If you’re like many people desperate to do something about the lines and wrinkles that age has etched on your face, you’ve probably spent a small fortune on “miraculous”, award-winning” anti-aging creams and serums filled with nothing but promise. Well, the fact is, nothing over-the-counter or online can give you real anti-aging results like Revanesse Versa. Revanesse Versa takes less than 60 minutes in the office, getting patients back to their daily life right away. Little to no downtime is needed as side-effects are mild and there are no restrictions on normal activities. Exercise, however, should be postponed for the first 24-48 hours. Revanesse Versa is made from a unique formulation of HA, meaning optimal results with a decreased chance of swelling.

    2023年2月14日
  • Naimb

    But if any product might be right for Bitcoin, it’s those $40,000 to $200,000 Teslas. Big transaction fees prevent supermarkets and drugstores from taking Bitcoin, but the $10 or $20 extra that it would cost Tesla is tiny compared to the big-ticket sale. Musk could captivate millennials who think it’s cool to buy a Model Y from their Bitcoin wallet. That’s if Tesla’s treasury can handle getting paid in tokens that lurch crazily to double-digit gains or losses in a single day. It might even bank the Bitcoin reaped from those sales to swell its already big bet on the cryptocurrency. For shareholders, that kind of craziness is uncool. Bitcoin solves these problems. A Bitcoin transaction takes an average of just ten minutes to be permanently fixed on the ledger. A Bitcoin transaction is entirely secure — even more secure than any brand name bank — but takes only minutes to go through. This kind of sea change is truly revolutionary, and if (more like when) Bitcoin and other cryptocurrencies become more mainstream, it will change the lives of nearly everyone on the planet. Anybody will be able to neat-instantly transfer money across the globe in just minutes, enabling a free and completely secure flow of the global economy.
    https://garrettysja098764.ltfblog.com/17090573/crypto-casino-software
    You are guaranteed a secure and fair gaming experience at Ruby Slots casino. The casino uses 128-bit secure socket layer (SSL) encryption to protect your money. All personal information that you provide at the time of signing up or while making a withdrawal request are stored on secure servers. The casino is also certified for security by Norton. 1st Deposit Bonus: 250% up to $500 up to $2,500 - Slots & Keno Only Wagering Requirements: No wagering requirement. Min Deposit: $30 Maximum Cash Out: No maximum cash out. No Deposit Bonus: $50. 30x wagering requirement. $100 max cash out. New Players Only T&C's of the site apply Your email address will not be published. Required fields are marked * RUBYSLOTS gives 30 free spins no deposit for Cubbe Time Travel Adventure to all new players that sign up a new account and Redeem the code CUBEE30

    2023年2月14日
  • Zumoaf

    buy cialis 10mg online <a href="https://buyclstfl.com/">Generic cialis next day shipping</a> free casino games

    2023年2月14日
  • Rbhbeu

    ivermectin 90 mg <a href="https://buydapsonline.com/">order avlosulfon 100 mg sale</a> avlosulfon 100mg cost

    2023年2月15日
  • Tifnky

    online casino games <a href="https://abgamescasino.com/">play online roulette for fun</a> spins real money online

    2023年2月15日
  • Weglwg

    adalat 30mg tablet <a href="https://genraconline.com/">aceon buy online</a> allegra 180mg tablet

    2023年2月16日
  • Ybejnv

    real money games <a href="https://abgamescasino.com/">sugarhouse casino online</a> free slots online

    2023年2月17日
  • Cekreigue

    Cutaneous granulomas caused by corynebacterium minutissimum in an HIV infected man <a href=https://clomid.buzz>whats clomid</a>

    2023年2月18日
  • Ikjfym

    order ramipril generic <a href="https://plamarxl.com/">order amaryl 1mg</a> order arcoxia generic

    2023年2月18日
  • Duovoz

    roulette online with real money <a href="https://ampharmx.com/">canada pharmacy</a> purchase term paper

    2023年2月18日
  • Eysbph

    order doxycycline pills <a href="https://doxybacter.shop/">doxycycline without prescription</a> order generic cleocin 150mg

    2023年2月20日
  • Jntkbq

    write papers online <a href="https://abessaywriting.com/">help me with my paper</a> order azulfidine generic

    2023年2月21日