You don't have to open a bank account or a payment account. As long as you have digital currency wallet, you can use digital currency, the central bank.

The China version of digital currency doesn't need to bind any bank account, and gets rid of the control of the traditional bank account system.

In addition, in the case of poor network signal, the payment functions of online banking and payment platforms are often paralyzed, and the dual offline technology of DC/EP can ensure that the central bank digital currency can be used like paper money in extreme cases. For example, in the absence of the Internet, as long as two mobile phones equipped with DC/EP digital wallets are in contact, the transfer or payment function can be realized.

Extended data:

Digital currency, the central bank is the legal tender, and WeChat payment and Alipay are just one payment method. The effect of digital currency is not comparable to that of WeChat Pay and Alipay. From the user's point of view, digital currency, the central bank, is more widely used, with unlimited legal compensation and compulsion, while other means of payment do not have this function.

After the launch of digital currency, due to its offline payment, higher security, wider use scope and controllable anonymity without binding bank accounts, it is expected that the use scale of both parties may change.

Phoenix. Com- What is China's digital currency? How to use it? The central bank responded!