什么是数字人民币钱包?穆所长的科普来了!

2021年06月11日 9340点热度 0人点赞 1,870条评论

什么是数字人民币钱包?穆所长的科普来了!

6月11日,中国人民银行数字货币研究所(以下简称数研所)所长穆长春在陆家嘴(14.120-0.54-3.68%)论坛上介绍了数字化转型过程中钱袋子的转型——数字人民币钱包。

穆长春表示,数字人民币钱包是数字人民币的载体。在中心化管理、统一认知和实现防伪的前提下,我们和各运营机构采用共建、共享方式开发钱包生态平台,对钱包进行管理并对数字人民币进行验真,并实现各自视觉体系和特色功能。通过建设数字人民币钱包生态,实现数字人民币线上线下(69.3300.490.71%)全场景应用,满足用户多主体、多层次、多类别、多形态的差异化需求,确保数字人民币钱包具有普惠性,避免因技术素养或依赖通信网络等带来的使用障碍。

根据不同的维度划分,数字人民币钱包有以下几种类型:

1. 按照客户身份识别强度分为不同等级的钱包。运营机构对客户进行身份识别,并根据客户身份识别强度对数字人民币钱包进行分层管理,根据实名强弱程度赋予各类钱包不同的每笔及每日交易限额和余额限额。最低权限的四类数字人民币钱包属于匿名钱包,余额限额1万元、单笔支付限额2000元、日累计支付限额5000元。仅用本人手机号码就可以开通,体现了数字人民币可控匿名的设计原则。如果你要支付超过2000块钱买件东西,可以升级钱包,上传本人有效身份证件信息及绑定银行账户信息,比如说,升级到二类钱包后,你的钱包余额上限就会变为50万元,单笔支付限额升至5万元、日累计支付限额10万元。

2.按照开立主体分为个人钱包和对公钱包。自然人和个体工商户可以开立个人钱包,按照相应客户身份识别强度采用分类交易和余额限额管理;其他法人和非法人机构可开立对公钱包,并按照临柜开立还是远程开立确定交易和余额限额,钱包功能可依据用户需求定制。

3.按照载体分为软钱包和硬钱包。软钱包有移动支付APP和以软件开发工具包(SDK)提供的服务;硬钱包有IC卡、可穿戴设备、物联网设备等。比如我们面向老年人推出加载健康码功能的硬钱包产品,提供安全便捷支付功能的同时,还可以便利老年人疫情防控下的日常出行。

4.按照权限归属分为母钱包和子钱包。钱包持有主体可将主要的钱包设为母钱包,并可在母钱包下开设若干子钱包,个人可以通过子钱包实现支付场景的限额支付、条件支付和个人隐私保护等功能,比如说你想藏个私房钱什么的,也可以进行亲属赠予功能的管理;企业和机构可以通过子钱包来实现资金归集和分发、会计处理、财务管理等功能。

穆长春表示,以上维度的钱包不同的组合,就形成了数字人民币的钱包矩阵体系,在此基础上,我们与指定运营机构共同开发基本支付功能组件,利用智能合约实现时间条件、场景条件、角色条件触发的条件支付功能,比如说,对于单用途预付卡的资金管理功能,避免出现卷款跑路等风险。指定运营机构、其他授权机构可以进一步开发复杂的支付/金融产品,构建钱包生态平台,以满足多场景需求并实现特色功能。

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  • Freddieacrog

    How to Securely Log Into Debank: A Step-by-Step Guide
    Logging into your Debank account is the first step towards managing your DeFi portfolio. Ensuring that your login credentials remain secure is crucial for protecting your investments. In this guide, we'll walk you through the process of logging into Debank safely and efficiently.
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    2024年11月19日
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    How a drab Soviet metropolis became Central Asia’s capital of cool
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    Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.

    Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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    Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.

    Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.

    “It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.

    “Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”

    Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”

    2024年11月19日
  • Brianstoff

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    PancakeSwap is a leading decentralized finance (DeFi) platform that allows users to trade cryptocurrencies, participate in yield farming, and more. With its user-friendly interface and wide range of features, PancakeSwap has become a popular choice for cryptocurrency enthusiasts.

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    2024年11月19日
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    2024年11月19日
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    It’s widely known as Japan’s eyeglasses capital – and for good reason. Sabae produces over 90% of the frames manufactured in the country, according to the local government. Signs and objects shaped like eyeglasses can be found on city streets, and there’s even a museum and festival devoted to spectacles.
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    Sabae, located on Japan’s main Honshu island near the city of Fukui, has been producing quality eyewear for more than a century.

    It all started in 1905, when a local government official invited skilled eyeglasses artisans to come to the city to teach their craft, an attempt to create new opportunities for local farmers.

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    Though these studios use cutting-edge machinery to produce new frames made of metal and acetate, most stages still require the skilled hands and trained eyes of Sabae’s master artisans.

    That includes Takeshi Yamae, a frame designer with Japanese brand Boston Club who has lived in the city for 17 years. He tells CNN one pair of glasses can involve more than 200 steps.

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    2024年11月19日
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    Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.

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    Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.

    Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.

    “It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.

    “Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”

    Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”

    2024年11月19日
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    Why this small city is the ‘eyeglasses capital’ of Japan
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    Japan is famed for its skilled artisans, masters who maintain a commitment to tradition while modernizing production techniques in line with the development of new materials and processes.

    Many places in the country have grown famous by focusing on specific crafts, from exquisite kimonos to perfectly designed knives. Among them is the small city of Sabae, in Fukui prefecture, about a 3.5-hour train ride from Tokyo.
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    It’s widely known as Japan’s eyeglasses capital – and for good reason. Sabae produces over 90% of the frames manufactured in the country, according to the local government. Signs and objects shaped like eyeglasses can be found on city streets, and there’s even a museum and festival devoted to spectacles.
    The art of making spectacles
    Sabae, located on Japan’s main Honshu island near the city of Fukui, has been producing quality eyewear for more than a century.

    It all started in 1905, when a local government official invited skilled eyeglasses artisans to come to the city to teach their craft, an attempt to create new opportunities for local farmers.

    The move paid off. Today, Sabae has over 100 companies that collaborate to make pairs of glasses.

    Though these studios use cutting-edge machinery to produce new frames made of metal and acetate, most stages still require the skilled hands and trained eyes of Sabae’s master artisans.

    That includes Takeshi Yamae, a frame designer with Japanese brand Boston Club who has lived in the city for 17 years. He tells CNN one pair of glasses can involve more than 200 steps.

    “I first design it, sketch it, then put it into my computer,” he says. “From the time I start designing, to the time I have the perfect product, it takes more than a year.”

    2024年11月19日
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    Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.

    Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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    Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.

    Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.

    “It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.

    “Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”

    Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”

    2024年11月19日
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    Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.

    Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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    Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.

    Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.

    “It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.

    “Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”

    Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”

    2024年11月19日
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    Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.

    Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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    Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.

    Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.

    “It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.

    “Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”

    Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”

    2024年11月19日
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    Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.

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    Terrie Morin, 60, and her husband, Dave, were at the barber shop when they heard about a raging wildfire making headway toward their Camarillo home on Wednesday morning.

    The couple were hosting two guests at the time, but because their guests worked late, Morin suspected they slept through the residence’s fire alarms.

    “I run in the house, and I’m banging on the door, and they did not hear me. They were knocked out,” Morin told CNN. “Get the dog. Get out of here. You don’t have time, just get out!” she recalled telling them.
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    Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.

    “It was hot. It was so hot,” Morin recalled.

    Dozens of homes in California’s Ventura County were set alight in a sweeping wildfire that burned through thousands of acres of land in just a matter of hours midweek –– prompting authorities to send more than 14,000 evacuation notices across the region.

    The Mountain Fire began early Wednesday and was driven by winds gusting over 60 mph. The flames have seared through more than 20,485 acres of land, according to Cal Fire.

    The families who evacuated at a moment’s notice, some who say they have now lost their homes, must deal with other losses that can also be devastating, from daily essentials like medications and shoes to meaningful possessions such as sculptures and artwork, to treasured keepsakes from the birth of a child or the life of a parent.

    At least 132 properties have been destroyed by the fire, while 88 have been left damaged, Ventura County Fire Department officials said Thursday evening. Ten damage inspection teams have been deployed to inspect structures along the path of the blaze.

    Ten people endured non-life-threatening injuries from the Mountain Fire, which are mostly related to smoke inhalation, Ventura County Sheriff Jim Fryhoff said.

    2024年11月19日
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    Terrie Morin, 60, and her husband, Dave, were at the barber shop when they heard about a raging wildfire making headway toward their Camarillo home on Wednesday morning.

    The couple were hosting two guests at the time, but because their guests worked late, Morin suspected they slept through the residence’s fire alarms.

    “I run in the house, and I’m banging on the door, and they did not hear me. They were knocked out,” Morin told CNN. “Get the dog. Get out of here. You don’t have time, just get out!” she recalled telling them.
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    Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.

    “It was hot. It was so hot,” Morin recalled.

    Dozens of homes in California’s Ventura County were set alight in a sweeping wildfire that burned through thousands of acres of land in just a matter of hours midweek –– prompting authorities to send more than 14,000 evacuation notices across the region.

    The Mountain Fire began early Wednesday and was driven by winds gusting over 60 mph. The flames have seared through more than 20,485 acres of land, according to Cal Fire.

    The families who evacuated at a moment’s notice, some who say they have now lost their homes, must deal with other losses that can also be devastating, from daily essentials like medications and shoes to meaningful possessions such as sculptures and artwork, to treasured keepsakes from the birth of a child or the life of a parent.

    At least 132 properties have been destroyed by the fire, while 88 have been left damaged, Ventura County Fire Department officials said Thursday evening. Ten damage inspection teams have been deployed to inspect structures along the path of the blaze.

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    2024年11月19日
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    DeBridge Finance stands out due to its remarkable features which include:

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    Security: By leveraging advanced security protocols, DeBridge ensures the safe transit of data and assets.
    Scalability: It is designed to handle a growing number of transactions without compromising on performance.
    How Does DeBridge Finance Work?
    DeBridge Finance operates through a combination of smart contracts and decentralized communication protocols. These components work together to authenticate and execute cross-chain data and asset transfers swiftly and securely.

    Smart Contracts
    The platform utilizes smart contracts to automate processes and ensure trustless operations across different chain environments.

    Decentralized Communication
    Communication across blockchains is made possible through a decentralized message protocol, enabling effective data sharing.

    Benefits of Using DeBridge Finance
    Choosing DeBridge Finance for cross-chain operations brings several advantages:

    Cost-Effectiveness: By integrating various blockchains, it reduces the cost and complexity of using multiple networks.
    Developer-Friendly: Offering robust tools and resources, DeBridge makes it easier for developers to build cross-chain applications.
    Enhanced User Experience: Users benefit from smoother transactions without the need to switch between different network interfaces.

    2024年11月21日
  • JeffreyAsync

    Chainlist: Simplifying Blockchain Connections
    In the evolving world of cryptocurrencies, Chainlist emerges as a pivotal tool for users looking to seamlessly interact with various blockchain networks. Understanding what Chainlist offers and how it operates can significantly enhance your crypto experience.
    <a href=https://v2-chainlist.online/>Chain List</a>
    What is Chainlist?
    Chainlist is a user-friendly platform designed to facilitate easy connections between crypto wallets and blockchain networks. It caters to both new and experienced crypto users by providing a comprehensive list of blockchain networks that can be accessed with just a few clicks.

    Key Features of Chainlist
    Extensive Network List: Chainlist provides access to a vast selection of blockchain networks, ensuring users can connect to the network of their choice with ease.
    Seamless Wallet Integration: With Chainlist, users can connect their crypto wallets such as MetaMask efficiently, facilitating quick and secure transactions.
    User-Friendly Interface: The platform's intuitive design ensures a smooth user experience, making it easy for beginners to navigate through different blockchain networks.
    Why Use Chainlist?
    Using Chainlist can considerably enhance your blockchain interactions by simplifying the network connection process. Here are some reasons why you should consider using Chainlist:

    Reduce Errors: Minimize the chances of manually inputting incorrect network details.
    Save Time: Quickly switch between networks without having to tweak wallet settings manually.
    Broaden Access: Easily explore lesser-known or new blockchains without extensive setup procedures.
    How to Connect Your Wallet Using Chainlist
    Visit the .
    Search for the blockchain network you wish to connect with.
    Click on the "Connect Wallet" button next to your desired network.
    Authorize the connection through your wallet's interface, such as MetaMask.
    Begin your crypto transactions on the selected network.
    In summary, Chainlist serves as a crucial bridge between crypto users and blockchain networks, offering a simplified connection process that enhances both functionality and accessibility.

    Welcome to Chain List: Your Comprehensive Blockchain Directory
    Are you looking for a simple way to connect to different blockchain networks? Chain List offers a seamless solution, allowing users to discover and connect to thousands of blockchain networks rapidly and efficiently.

    What is Chain List?
    Chain List is a user-friendly platform designed to help cryptocurrency enthusiasts, developers, and investors explore various blockchain networks. With a focus on decentralized technologies, it provides a vast database of available networks, offering quick, reliable connections for users.

    2024年11月21日
  • CharlesSlese

    Aerodrome Finance: Unlocking Potential for Growth
    The world of aerodrome finance is pivotal for ensuring the efficient operation, enhancement, and expansion of aerodrome facilities globally. With the increasing demand for air travel, understanding aerodrome financial processes is more important than ever.
    <a href=https://aerlifi.org/>Aerodrome Finance</a>
    Why Aerodrome Finance Matters
    Aerodrome finance plays a critical role in the lifespan of airport projects, providing necessary funding from initial development to ongoing management. Here are key reasons why it matters:

    Infrastructure Development: Secure financial backing enables the construction and maintenance of essential airport infrastructure.
    Operational Efficiency: Adequate funding ensures that airports can operate smoothly, adapting to technological advancements and logistical demands.
    Economic Growth: Airports serve as economic hubs; their development stimulates job creation and boosts local economies.
    Aerodrome Finance Strategies
    Various strategies can be employed to optimize aerodrome finance, ensuring both immediate and long-term benefits. Here are a few notable approaches:

    Public-Private Partnerships (PPP)
    These partnerships combine public sector oversight and private sector efficiency, leading to shared risks and rewards. They facilitate diverse financial resources and innovative solutions for airport projects.

    Revenue Diversification
    Exploring non-aeronautical revenue streams, such as retail concessions and property leases, can significantly bolster an airport's financial resilience. Such diversification allows for a steady income flow independent of ticket sales.

    Sustainable Financing
    Adopting sustainable financial practices, including green bonds and ESG (Environmental, Social, and Governance) criteria, aligns with modern ecological standards and attracts environmentally conscious investors.

    2024年11月21日
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