Product innovation Speed speed use scenarios to broaden digital RMB pilot expansion increase

Digital RMB low -carbon card hardware wallets, digital renminbi purchased gas ... At the 2022 China International Service Trade Fair, it focused on the colorful innovation results of digital RMB.

"I applied for a low -carbon card at the scene. I heard that I can still use bicycles, bus and subway in the future, which is particularly practical for our elderly." Avenue experienced various digital RMB software and hardware products, and handled a digital RMB low -carbon card on the spot. This low -carbon card is the first digital RMB hardware wallet product released by the Bank of China United Meituan in Shougang Park in the Shougang Park. According to the staff, low -carbon cards can be used for online and offline "clothing, food, housing and transportation" various consumer scenarios. Consumers can use the digital RMB APP to operate low -carbon card management and other operations, and use low -carbon cards for offline consumption scenarios to support the acceptance of digital RMB hardware wallets for "touch" payment. At the same time, consumers can use digital RMB hardware wallets in Meituan's cycling, ordering, and vegetable hardware wallets to be paid through the Meituan APP through the "Paste" activation and binding low -carbon card hardware wallets. Solidate payment online and offline.

Digital RMB use scenarios are also expanding, which is one of the important directions for the steady advancement of digital RMB pilots. In the Intelligent Gas Scenex Experience Zone of Industrial and Commercial Bank of China, the first IoT intelligent gas watch that was deeply integrated with digital RMB hardware wallets. Consumers can complete the entire process of digital renminbi gas in the hardware wallet equipped in the Internet of Things smart gas meter, which helps solve the problems of complex processes and channels in traditional gas gas purchase scenarios. In the future, users can manage digital RMB hardware wallets in smart gas meters through channels such as "Digital RMB APP". Relying on smart contracts, casual and charging functions, the gas meter can automatically purchase gas, and the user's unsusted payment process. In addition, the SE security chip that meets the national secret requirements in the intelligent gas meter in the Internet of Things has also created a safe and reliable digital RMB payment environment for users.

At the "Hardware Wallet" experience station, ICBC also exhibited more than 10 digital RMB hardware wallet products such as standard IC cards, smart watches, digital brands, smart student IDs, electronics certificates, and super SIM cards. "Methods to quickly realize payment and improve customer consumption experience. In addition, hardware wallet fusion products can add access control, electronic fences, sports health and other functions on the basis of supporting digital RMB functions to meet the needs of customers with one -card multi -application and one device multi -scenario. According to the staff, at present, ICBC has piloted and promoted the pilot and promotion of hardware wallets across the country.

Recently, there have been many new progress in digital RMB pilots. Industrial Bank's digital RMB wallet has been launched a few days ago. This is an important progress after Xingye Bank became the 10th digital RMB operation institution in March this year. The relevant person in charge of the Industrial Bank said that the bank will take the digital RMB wallet as an opportunity to create more special scenarios and business models, continuously extend the service angle, promote the expansion of the pilot work of the digital RMB, and provide more to the real economy and the general public with more people with more people with more people. Easy and safe digital RMB services, strive to build a market -leading digital RMB operation agency.

Product innovation acceleration, wide use of use scenarios, and digital RMB pilots are steadily promoting. As of May 31, the pilot areas of 15 provinces and cities passed the cumulative number of trading pens of digital RMB about 264 million, with a amount of about 83 billion yuan, and the number of merchants supporting digital RMB payment reached 4.567 million.

Seeing these new progress, everyone is more concerned about how digital RMB develops next? At the 2022 China International Financial Annual Forum held during the service of the Faculty Fair, Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China, revealed that it will build a digital RMB smart contract ecological service platform.

Digital RMB smart contract technology is one of the most prominent innovations in Digital RMB. "Smart contracts have huge potential in supporting the digital economy reduction and efficiency and promoting service innovation." Mu Changchun said that in the top -level design of digital RMB, the smart contract that does not affect the currency function has been loaded, and the digital RMB has achieved digital RMB. Programmable, so that digital RMB can make automatic payment transactions in accordance with the conditions and rules agreed by the parties to the parties of the transaction. As a legal currency in digital forms, digital RMB has a great advantage in establishing an ecology that supports smart contract applications.

Mu Changchun said that the application scenarios of digital RMB smart contracts are relatively wide, which can reduce the performance cost of economic activities, optimize the business environment, and promote the deepening of the digital economy. At present, digital RMB smart contracts have been successfully applied in the fields of government subsidies, retail marketing, and prepaid funds management. In different scenarios, the functions of digital RMB smart contracts are also diverse. For example, in the field of prepaid funds in prepaid consumption, smart contracts can effectively prevent the misappropriation of funds, realize transparent management, take into account the existing business model, and protect the interests of all parties. In the field of targeted payment in fiscal subsidies and scientific research funds, smart contracts can monitor the use of payment and improve the efficiency of government funds. In the field of funds such as fund collection and intelligent accounts, smart contracts can solve compliance issues of payment transaction processing, improve the accuracy and automation level of funds, and reduce the errors and risks of manual treatment. In the marketing and retail fields such as consumption red envelopes and intelligent payment, smart contracts can reduce implementation costs, protect user rights, and enhance customer experience. In the field of domestic and foreign trade, a closed -loop solution for "signing+performance" can be provided to improve the binding power of contract execution, realize the synchronization of capital flow and information flow, and reduce the cost of settlement and compliance. Mu Changchun said that with the gradual improvement of the underlying platform and related institutional arrangements, it will accelerate the landing on a larger scale. Together with market institutions, we will accelerate the construction of digital RMB intelligent contract ecology, give full play to the joint efforts of all parties in the industry, improve relevant business norms and standard systems, and establish a compliance review mechanism, and study the judicial connection arrangements with relevant departments. (Reporter Chen Guojing) (Chen Guojing)

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