Digital RMB APP registration steps. 65438+10.4, the digital RMB APP was put on the Apple App Store and the major Android markets. At present, the pilot project of digital RMB is carried out in 12 city, and the registration steps of digital RMB APP.

Registration steps of digital RMB APP 1 How to register a digital RMB app?

1. Click the "Digital RMB" APP, register the "Digital RMB" APP account with the mobile phone number registered at the time of registration, and set the login password of the "Digital RMB" APP.

2. When you enter the APP, you will first receive a red envelope prompt. After clicking "Get it now", the red envelope will be opened to distribute the bank digital wallet.

3. When using your name, open your wallet with your registered mobile phone number, and don't set your wallet payment password.

4. After successfully opening the digital wallet, you can receive the "Digital RMB 55 yuan Happy Shopping" consumption red envelope. If the customer has registered the "Digital RMB" APP and used the registered mobile phone number to open a personal digital wallet at the bank selected at the time of registration, the red envelope will be automatically credited.

Digital RMB follows the principle of "small amount anonymous and large amount traceable according to law", attaches great importance to the protection of personal information and privacy, and fully considers the business risk characteristics and information processing logic under the existing electronic payment system to meet the public's demand for small amount anonymous payment services. At the same time, prevent digital RMB from being used for telecom fraud, online gambling, money laundering, tax evasion and other illegal and criminal acts, and ensure that related transactions meet the requirements of counter-terrorism financing. The transaction information collected by the digital RMB system is less than the traditional electronic payment mode, and it will not be provided to third parties or other government departments unless there are clear provisions in laws and regulations.

The second step of digital RMB APP registration is 65438+ 10. On 4 October, the reporter found that digital RMB APP was put on the Apple App Store and major Android markets. This means that users in the digital RMB pilot area can obtain the digital RMB APP more conveniently. At present, digital RMB has been piloted in Shenzhen, Suzhou, Chengdu and other cities 12. Chengdu citizens who have never used digital RMB can download and register from now on.

The citizens of 12 pilot cities can download and register.

According to the brief introduction of the open market, RMB (pilot version) APP is the official service platform for individual users to carry out digital RMB pilot projects in China, providing digital RMB personal wallet opening and management, as well as digital RMB exchange and circulation services. Digital RMB is still in the routine testing stage in the R&D process, and white list users expanded by the operating agencies in the pilot areas and pilot scenarios can register for digital RMB APP.

Before the launch of the digital RMB pilot version of the App, users experienced digital RMB mostly through red envelopes, bank invitations and other channels. With the launch of the digital RMB APP in the app store, it means that more users can experience the digital RMB. On the new user registration page, the application of digital RMB (pilot version) prompts that digital RMB will be piloted for Shenzhen, Suzhou, Xiong 'an, Chengdu, Shanghai, Hainan, Changsha, Xi 'an, Qingdao, Dalian and the Winter Olympics (Beijing and Zhangjiakou), and users need to judge whether they meet the registration conditions according to their own location.

After downloading through the Apple App Store, the reporter registered and opened the wallet according to the software prompts. You don't need to enter your name, ID number, bank card number and other personal information. You can open an anonymous wallet directly with your mobile phone number, and you can upgrade it to a real-name wallet as needed after opening. In the opening link, operators need to be selected, including ICBC, Agricultural Bank, China Bank, China Construction Bank, Bank of Communications, Postal Savings Bank, China Merchants Bank, Online Merchant Bank (Alipay) and Weizhong Bank (WeChat Payment). Wallets opened only by mobile phone number are "four types of wallets". After opening, it can be upgraded to two or three types of wallets in the App "Wallet Management", or it can be upgraded when using functions such as "Wallet Recharge" and "Bank Deposit".

The reporter noticed that it is roughly the same as the digital RMB App that has appeared in the previous stage. The pilot version of the application also has the functions of transfer, receipt and payment, touch and code scanning. Users can add "sub-wallets" and push them to different merchants. At present, some big banks have linked nearly 60 merchant platforms, including JD.COM, Meituan, Hungry, Tmall Supermarket, Didi, Bili Bili, Tuniu, Tencent Video, Iqiyi and Baidu.

Promote the pilot of digital RMB.

There are more than 680,000 application scenarios in Chengdu.

According to the tips of the digital RMB APP, individual users can be piloted in cities such as Chengdu 12, which means that Chengdu citizens can download and register from now on. The reporter learned that since it was selected as a digital RMB pilot at the end of 20 19, Chengdu has promoted the construction and testing of application scenarios in the fields of living payment, catering service, transportation, shopping consumption and government service in an orderly manner, and has opened more than 30 million personal wallets and expanded more than 680,000 pilot scenarios.

According to the relevant person in charge of Chengdu Financial Bureau, Chengdu has launched a large number of characteristic application scenarios in the digital RMB pilot project, pioneered digital RMB payment for public travel in China, launched hard wallets with characteristic scenarios, innovatively distributed government subsidies, and created Pengzhou Yurun International Agricultural Products Trading Market, Pengzhou Baoshan Village and other characteristic rural revitalization application scenarios. Last year, Chengdu launched the special test activities of "Digital RMB Red Envelope to Welcome the Spring Festival" and "Green Travel in Low-carbon Summer", which set a record for the largest number of applicants and the largest number of red envelopes distributed in a single event, and became the city with the highest public enthusiasm for participating in the digital RMB pilot. The person in charge said that at present, Chengdu is accelerating the exploration of foreign-related scenarios and typical applications, drafting and formulating the "Chengdu Universiade Digital RMB Pilot Program", designing the landing Universiade scenarios, and striving for a breakthrough in digital RMB foreign-related payment.

Recently released "Chengdu-Chongqing * * * Plan for Building a Western Financial Center" proposes: support Chengdu to steadily promote the pilot project of digital RMB, carry out research on innovative applications of digital RMB and mobile payment, and expand the application scenarios of digital RMB. The person in charge introduced that Chengdu will improve the financial technology industry chain in the next step. Establish a blockchain industry research institute, actively promote the digital currency Research Institute of the People's Bank of China to set up a research center in Chengdu, and promote the creation of an industrial development cluster in digital currency.

The third step of digital RMB APP registration In recent years, mobile payment has developed rapidly, and only one mobile phone can meet the payment demand. Since mobile payment is so convenient, why launch digital RMB?

1, the supplement of electronic money. "With the increasing importance of mobile payment, the central bank needs to promote the payment system to keep pace with the times, and introduce digital legal tender as a pure public product through top-level design, which has become an important supplement to electronic payment." Mu Changchun, director of digital currency Research Institute of China People's Bank, said. Digital RMB has the advantages of low threshold, low cost and high security, which provides people with more reliable payment methods.

2. The use of digital RMB has changed from closed to open. The purpose of Shenzhen's pilot digital RMB red envelopes is to test through daily consumption scenarios and accumulate experience for the issuance and use of digital RMB in the future, starting from the retail end and having a greater impact than the wholesale end. This new attempt has changed the use of digital RMB from closed to open.

3. Conducive to the internationalization of RMB. On the one hand, the use of digital RMB will effectively promote the development of domestic digital economy, reduce costs and increase benefits for economic operation. On the other hand, with its advantages of low barriers, low cost and high security, it will be possible to reshape the international settlement system and become an important tool for RMB internationalization.

It is reported that in Suzhou, some civil servants received part of their salaries in the form of digital currency. In xiong'an new area, 19 companies, including McDonald's, have started to pilot digital currency. After Shenzhen, Chengdu, Suzhou, xiong'an new area and the site of the future Winter Olympics, it will be extended to other areas one after another according to the situation.

However, this does not mean that digital RMB will completely replace paper money. The balance in the commercial bank account already exists in digital form, so there is no need to replace it. We should start by replacing the banknotes and coins in circulation. However, due to the convenience of electronic payment at present, the popularity of digital RMB will be limited in the future.

Except for numbers, digital RMB is the same as the paper money we usually use. It belongs to the national sovereign currency, and besides payment, it also has functions of money for settlement, pricing and reserve. It is essentially a substitute for cash, but it turns paper into numbers.

Digital RMB is legal tender, equivalent to legal tender, and its effectiveness and security are the highest, which is the most fundamental difference between digital currency and the central bank, Bitcoin and other encrypted assets.

Alipay, wechat payment, etc. Has become a public product or service. Once extreme situations such as service interruption occur, it will have a great impact on social and economic activities and people's lives. This requires the People's Bank of China, as a public department, to provide tools and products with similar functions as the backup of corresponding public products.