It is essentially different from Alipay and WeChat payment. Alipay, WeChat payment and mobile banking are actually electronic money, not digital currency. These payment methods are all based on electronic accounts, which are essentially just an information process of the existing legal tender, and are not strictly digital currency. And it is completely different from Q coins and Bitcoin. Q coins and Bitcoin, which are often mentioned, belong to virtual currencies. Compared with digital currency, the most fundamental difference lies in the different issuers.
Virtual currency is the electronization of illegal currency. The issuer is not the central bank, and it can only circulate in a specific virtual environment, such as Tencent Q coins and other game coins. Digital currency can be used to trade real goods and services, but only digital currency issued by the state is legal digital currency, and bitcoin is illegal digital currency.
The future trend of digital currency.
20 16, 1 1, 10, the central bank prepares for digital currency. After ten years, cash will probably not exist.
20 1 1 16 10, China digital currency research institute was established to cultivate high-level talents in digital currency and carry out research, consultation, development planning and related activities in digital currency. It is a non-profit unit approved by relevant ministries and commissions, and is committed to promoting the integration and development of industry research and practice in digital currency.
Up to now, Hangzhou, Shenzhen and Guizhou have become the three hot spots for the central bank to pilot digital currency. It is reported that Hangzhou is actively promoting the planning and construction of Qiantang River financial port, including blockchain industry. Hangzhou will build the country's first blockchain industrial park, located in the Internet finance town of Xihu District, surrounded by well-known enterprises and parks such as Ant Financial, online merchant bank, Zhejiang University and its science park.
Refer to Baidu Encyclopedia: digital currency