Digital RMB has no borrowing function if it is counted regularly, but you can save the money and spend it again.

Digital currency has nothing to do with credit cards, and credit card overdrafts must be repaid.

Digital RMB has the functions of reducing transaction costs, improving credit efficiency and enhancing payment convenience. After being widely used, digital RMB is expected to create a more penetrating and direct tool for China's monetary policy.

The China version of digital lending currency does not need to be associated with all bank accounts, nor will it be manipulated by traditional bank account system software. In addition, "two-way offline" application will be the overall goal in the future.