my country's legal digital currency is an index of RMB. It is a legal currency in the form of digital form issued by the People's Bank of China. It is involved in the operation and exchanged by the designated operating institutions. Based on the broad account system, it supports the loosening function of the bank account, and paper with paper. Banking coins equivalent, value characteristics and legal repayment, support controlled anonymous. There are two concepts of digital RMB, one is that digital RMB is a legal currency in digital form; the other is equivalent to paper banknotes and coins. Digital RMB is mainly positioned in M0, which is cash and coins in circulation. If the central bank's digital currency has national credit, which is equivalent to legal currencies. Its functional attributes are exactly the same as traditional banknotes, but they are only digital forms. Digital currencies are conducive to reducing transaction costs, improving financial operation efficiency, and also conducive to preventing illegal transactions such as money laundering.
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The fundamental difference is that the issuer is different: virtual currency issuers are not central banks, they can only circulate in a specific virtual environment. Digital currencies can be used for real goods and service transactions, but only digital currencies issued by the state are legal digital currencies. Bitcoin is an illegal digital currency.
Digital currencies are a substitute currency in the form of currency. At present, the issuance and withdrawal of traditional banknotes in my country are the dual systems of digital currencies based on the current "central bank -commercial bank organizations" dual systems, but their issuance and operations are still based on binary. The relationship between digital currency and traditional currency is: in addition to the basic attributes of traditional currencies, digital currencies have their unique attributes and characteristics. Digital currency as a simplified alternative to traditional currencies, transfers the balance in banks by using certain electronic channels, so that consumers can be traded in electronic forms.
Digital currency is an alternative currency in the form of electronic currency, which can be used for real goods and service transactions. Digital currencies have the main features of network packets. This type of data packet is composed of the data code and identification code. The data code is the content that needs to be transmitted, and the identification code indicates where the data packet comes from and where to go.
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