Digital RMB is equivalent to the paper money in our hands stored in the mobile phone, but there is no intermediary. That is to say, when you make mobile payment, you need to use the balance of this payment platform or the balance of your bank card. But now digital RMB just turns the cash in your hand into irreplaceable money in your mobile phone. It's not a simple number, it just means that it has changed from paper to electronic, and it can be traded freely with each other. There is no so-called networking problem.
This is to better control the rights of money. In the hands of the department in charge, although mobile payment is not low, it is all individual enterprises. Although these large individual enterprises must be supervised by relevant departments, they are not as good as themselves anyway. Don't worry, after all, although mobile payment sounds safe now, if there is any economic crisis and mood fluctuation, you will run on the money if you want to withdraw it.
The use of digital RMB has been implemented in some parts of the country. You can try it. Not all places support it, because some places haven't issued digital RMB yet, and some places don't support the benefits of digital RMB. Because you haven't heard of this kind of thing, it's just a pilot operation. It is estimated that after a period of trial, it will really have an effect, will be widely promoted, and will gradually replace mobile payment. Because mobile payment has never been recognized by foreign developed countries, I just feel that this thing does not bring security and does not recognize it. That proves that it is more or less problematic, and we can't be blindly confident.
The mobile payment we usually use is to transfer the money in your account to another person through the bank or through this application payment platform, which is similar to the direct consumption behavior abroad, except that there is an intermediary platform, so even if he is well-known now, there are still certain risks. If it is similar to the mode of exchanging banknotes between them, there is no need for any intermediary, and the risk will be much reduced.