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深圳市民将获得价值150万美元的中国数字货币eCNY

2020-10-13 13:51

 

深圳市政府宣布赠送1000万人民币(150万美元)的中央银行数字货币(CBDC)。作为数字元测试的一部分,5万人将通过抽奖的方式获得这笔金额为200元的赠与金。


该试验在罗湖区进行。此前,该地区还向5000名医务工作者发放了红包,以感谢他们对新冠肺炎疫情的贡献。


到目前为止,大多数数字元测试都相当有限,主要针对政府雇员。这一最新的泄露是一个更加广泛和公开的测试,吸引了普通公众的参与。没有比免费给钱更好的获得利息的方法了!有人可能会说,这有点像空投公共区块链。


eCNY面临的最大挑战之一将是收养问题。大多数中国公民都很喜欢使用现有的数字支付解决方案支付宝和微信支付。发行人民币数字货币的一个关键原因是防止对这些私人支付系统的过度依赖。


本周我们报道,到目前为止,eCNY的113,300个个人数字钱包已经在试验中创建,并且已经处理了1.6亿美元的交易。


商业银行是中国人民银行发行人民币的主要门户,就像向消费者发放现金一样。为了不威胁商业银行的地位,钱包只能存放有限数量的现金。

 

The Shenzhen municipal government announced a giveaway of ten million renminbi ($1.5 million) in central bank digital currency (CBDC). Fifty thousand people will receive the gifted money on a lottery basis in amounts of 200 yuan as part of the digital yuan tests.

The trial is in the Luohu District, following another red packet gifting in the same area to 5,000 medical and healthcare workers as thanks for their COVID-19 contributions.

To date, most digital yuan tests have been rather limited, focused on government employees. This latest give away is a far more broad and public test, engaging the general public. There’s no better way to gain interest than giving away free money! One could argue it’s a little like an airdrop for public blockchains.

One of the biggest challenges for the eCNY will be adoption. Most Chinese citizens are quite happy with using existing digital payment solutions Alipay and WeChat Pay. One of the key reasons for issuing the digital yuan is to prevent an over-reliance on these private payment systems.

This week we reported that to date, 113,300 personal digital wallets for the eCNY have been created in trials and $160 million in transactions have been processed.

Commercial banks are the main gateways for the People’s Bank of China to issue the currency, much like the way cash is distributed to consumers. Wallets can only hold limited amounts of cash in order not to threaten the role of commercial banks.

 

来自: Ledger Insights