Digital RMB red envelope pilot is in full swing, anonymous transaction function may be in test

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According to mobile payment network reports, some institutions are testing the digital renminbi limited anonymous transaction program, and there is no relevant merchant information in the transaction records.

Original title: “[Exclusive] Digital RMB Positive Internal Test Limited Anonymous Transaction Plan”
Written by: Little P

The Shenzhen digital renminbi red envelope pilot is in full swing, and the mobile payment network has also learned exclusively that existing institutions are testing a limited anonymous transaction plan, that is, after the payment is completed, the transaction record will not be able to know the merchant of the transaction, only relatively vague transactions Types of.

According to the digital renminbi red envelope test conducted by the mobile payment network, transaction details can be clearly seen. In the internal beta version of the digital RMB wallet, there are only large categories in the bill details, such as payment and digital currency exchange, and no merchant name.

The digital RMB red envelope pilot interface on the left, and the digital currency payment page for the internal beta on the right

According to the mobile payment network, there is not much difference in payment experience between the internal beta digital renminbi wallet and the public beta digital renminbi wallet. The merchant name is only confirmed once after the payment is completed, and then there is no relevant merchant information in the transaction record.

Digital RMB red envelope pilot is in full swing, anonymous transaction function may be in test

Previously, the central bank has repeatedly mentioned the importance of anonymous transactions in the digital renminbi.

In May of this year, the Governor of the People’s Bank of China, Yi Gang, stated that the digital RMB system has basically completed top-level design, standard formulation, function research and development, joint debugging and testing under the premise of adhering to two-tier operation, M0 substitution, and controllable anonymity. , And follow the principles of stability, safety, controllability, innovation and practicality.

In addition, Mu Changchun, director of the Digital Currency Research Institute of the People’s Bank of China, also publicly stated that the digital renminbi is issued by the People’s Bank, operated by designated operating institutions and exchanged with the public. Based on the broad account system, it supports the loose coupling function of bank accounts. , A controllable anonymous payment tool that is equivalent to banknotes and coins, and has value characteristics and legal compensation.

M0, loose coupling of financial accounts, and controllable anonymity are almost the three recognized attributes of digital renminbi. However, there has been little news about how to control anonymity. However, the internal beta version of digital renminbi wallet transaction records hides the name of the merchant. Perhaps it is a sign of its controllable anonymity.

Source link: mp.weixin.qq.com