Transportation, retail supermarkets, and public utilities have become the main pilot landing scenarios of various operating agencies, and more cities are actively exploring characteristic applications and cross-border payment scenarios. A series of problems still need to be solved from the pilot project to the large-scale popularization of the digital renminbi: for example, after the digital renminbi APP is fully rolled out, how can the PBOC maintain the stability and reliability of the system in high concurrent transactions; operating agencies and platforms use those operating strategies to attract users to continue Use.
The author suggests that the scenarios covered by the digital renminbi for each operating agency should expand from large chain stores to small and medium-sized merchants with a larger number and a wider range. In addition, we should also think about how to mobilize the enthusiasm of existing users to use digital renminbi and cultivate users the special leads Digital RMB is mainly used for payment transactions. The main body of opening wallets is not only individuals but also individual industrial and commercial households, enterprises, hospitals, rail transit operators, etc. Personal digital RMB wallets are divided into different levels of wallet categories according to the strength of customer identification.
The digital renminbi wallet is the carrier of the legal digital renminbi with a uniquely identifiable number opened by the operating agency for the user. The wallet form of digital RMB can be divided into an App wallet and a hardware wallet. The smart card form can also be expressed as a "soft wallet", that is, the card is bound to a digital wallet account, and the digital RMB is still stored on the server. The hard wallet solution, especially the non-registered one, maybe lost and cannot be retrieved, and the dual offline of the hard wallet needs to consider the number of offline transactions and the amount that can be offline.