Digital RMB smart contract "Drum Point" gradually densely build an open source community guess to surface

21st Century Economic Herald reporter Bian Wanli Beijing reported that digital RMB prepaid funds for the application area and the People's Bank of China Digital Currency Research Institute's layout of smart contract patents and authoritative persons said that the potential application scenarios of digital RMB smart contracts are wide ...

Recent information from many aspects shows that digital RMB is stepping up the application of smart contracts, and creating a "ecological service platform" has also triggered industry conjecture: digital RMB or is committed to creating an open source community with smart contracts.

"The concept of emphasizing the ecological service platform may mean that digital RMB wants to build an open source community, the digital research institute provides platforms and development interfaces, and formulates basic rules. Powerful institutions can develop various types of smart contract access. Users are like shopping Like the store, choose a smart contract as needed to realize the needs of diversified payment. "Industry insiders said.

Digital RMB smart contract action frequency

Smart contract is a contract with a computer language record clause and automatically executed by the program. Digital renminbi can be programmed by loading intelligent contracts that do not affect currency functions, so that Digital RMB can make automatic payment transactions based on the conditions and rules agreed by the transaction on the premise of ensuring security and compliance to promote business model innovation.

In May this year, the prepaid funds using digital RMB intelligent contract technology were applied to Futian, Shenzhen. Experts analyzed that there has always been pain points such as difficulty in terminating consumption refund, difficulty in suspension of business, and difficulty in consumer rights. Digital RMB smart contract technology can empower supervision methods, achieve the goal of complete prepaid transaction information and transparent links, and provide prepaid funds security guarantee to minimize the risk of "prepaid" to prevent consumers from being violated.

For example, the prepaid consumption of digital RMB intelligent contracts to purchase education and training institutions services: After consumers use digital RMB to pay, prepaid funds will be "frozen" in digital RMB wallets. The underlying technology of the RMB achieves a prepaid funding "one clear, one lesson and one interpretation". If it is impossible to perform the contract due to institutional problems, when consumers apply for a prepaid refund, the platform can realize a fast refund of the unclean sales amount, which is conducive to protecting consumers' legitimate rights and interests and property security.

Coincidentally, public data recently showed that the People's Bank of China Digital Currency Research Institute applied for 8 patents with the word "smart contract". Most of them applied in 2021. Registration method and execution method.

Experts believe that recent actions show that the time for digital RMB loading smart contracts has become increasingly mature.

Create an open source ecological empowerment of multi -party intelligent payment needs

It is worth noting that Lu Yuan, general manager of the Innovation Department of the Innovation Department of the Digital Currency Research Institute of the People's Bank of China, said that through the smart contract ecological service platform built by the Digital Currency Research Institute of the People's Bank of China, it can also support cross -institutional interconnection and interoperability. Provide more convenient and efficient payment service support to provide a more open ecological environment for the whole society.

The term "ecology" is frequently mentioned during the pilot of digital RMB research and development. In 2021, the Central Bank released the "White Paper of the R & D Progress of China Digital RMB" pointed out that it is necessary to build a digital RMB ecosystem and continue to explore a new model of digital RMB applications that are compatible with the economy and society.

The above analysts believe that the application of digital RMB loading smart contracts is broad. For example, prepaid applications can help prevent merchant funds misappropriation and achieve transparent supervision. "For government management, smart contracts are also very useful. For example, in the field of targeted payment in fiscal subsidies and scientific research funds, it can be limited to the use of payment through smart contracts. Realize the full -link monitoring of public funds and improve the effectiveness of government funds. "

Many pilot areas have paid attention to the feasibility of digital RMB smart contracts for local government government affairs governance, and have expressed their support for the exploration of the research and development of digital RMB smart contract technology.

In December 2021, the Hainan Provincial News Office held a press conference that relevant officials stated that the direction of Hainan's exploration includes security compliance innovation applications such as digital RMB smart contracts. In April 2022, "Several Measures for the Development of Shenzhen Support Fintech" proposed that actively encouraging the integrated application of intelligent contract technology in the field of digital RMB, the first to build a digital RMB -based smart contract public platform, serving the entire scenario application of digital RMB to create a full scenario application to build a digital RMB to create a full scenario application to build a digital RMB to create a full scenario application to build a digital RMB to create a full scenario application to create a full scenario application to create a full scenario application to build a digital RMB to create a full scenario application to build a digital RMB to create a full scenario application to create a full scenario application to create a full scenario application to create a full scenario application to create a full scenario application to build a digital RMB. New type of business circulation form.

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