Since April 2020, digital RMB has been piloted by a small number of people, and the public has continued to pay attention to digital RMB. But there are still not many people who can really use it. After all, it is either a pilot or a lottery. Looking at the whole country, there are still a few users who can live in the pilot areas and draw lots successfully. Even if the digital RMB (pilot version) app was launched in major android app stores and app stores not long ago, users who are troublesome / don't know / don't want to go down / not in the pilot area should also account for the majority. However, it is normal to spend a long time testing the new tool online, which has a great impact on digital RMB. Before the launch of digital RMB nationwide, major platforms also announced to open up digital RMB payment, so that users can easily use digital RMB payment in the original app. Before starting this article, let's take a look at the current multi merchants that support digital RMB: Meituan, hungry, tmall supermarket, Didi travel, Shanrong business, Ctrip Travel, SF express, BiliBili, Suning Tesco, zhenhappy, Baixin bank, Diane Bao, China Time-honored Brand, baifumei, special call, tuniu, China Eastern Airlines, Haier Zhijia, Jun to Suzhou, Su thoughtful, oppo wallet, bus housekeeper, online State Grid, Shenzhen help, Kunpeng express Sinopec, shadow shop, fast hand, China Telecom wing payment, North China, China film, data wallet, Iqiyi, Party membership fee to pay a revival No. 1, Tencent video, Southern Airlines, first customer first, perfect campus, Baidu, Shenzhen airlines, Kwai Ma, daily orchard, 58 city. Although app shows 43 supporting businesses, it has not yet appeared in the list of businesses such as WeChat and Alipay. It has also supported the use of digital renminbi to pay businesses in a small area. However, it is worth noting that some merchants only support certain regions and commodities, and some restrict the platform system on the mobile terminal. ▲ some supporting merchants Generally speaking, the number of merchants supporting digital RMB is still increasing slowly, and more and more merchants are supporting it. Take meituan as an example and tell us how to use digital RMB to access the app As a platform to get through digital RMB payment, it is natural to order meituan takeout with digital RMB. However, before paying, you must first have a new account on the digital RMB app. Because the digital RMB is still in the pilot stage, users outside the pilot cities of Shenzhen, Suzhou, xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and the Winter Olympic Games (Beijing, Zhangjiakou) are still unable to register and use, so we can only watch others experience it at present. Before using the digital RMB through app, users first need to have a purse, which can now be 7 common banks and familiar Alipay (Internet Banking) and WeChat payment (micro public bank). Once you have a wallet, you can click "services" - "sub wallet" - "view more" - "add sub wallet". ▲ digital wallet option on the left and sub wallet option on the right The relationship between sub wallet and wallet may be a little confusing, which needs to be distinguished for a while. You can understand that the wallet on the digital RMB is a big tree, and the sub wallet is a branch. The "wallet" is currently used for payment, transfer and withdrawal on the digital RMB app, and the "sub wallet" is the one that can be paid on other apps that support digital RMB. So before using it, you should first push a "sub wallet" for meituan. If you have opened one wallet in 9 channels on the digital RMB app, you can also open 9 "sub wallets" for meituan, and select a specific sub wallet to pay. Among all the third-party applications supporting digital RMB, meituan's guidance has been relatively perfect. On the notice page of "sub wallet", meituan also gave some guidance to tell users how to use digital RMB for payment. ▲ after meituan successfully pushes the sub wallet, there is a guidance interface, but not all apps have it Users can access the digital RMB zone, select the business to be paid, and finally use digital RMB to pay in the payment phase. Click "open meituan" directly on the opening interface, you can also directly jump to the digital RMB zone, and there are many platform activities. Unfortunately, meituan's current activities are only open in four cities. As long as the sub wallet is opened on the digital RMB app, users can use digital RMB for payment when corresponding to the app. Members can order takeout, ride bicycles and buy vegetables in digital RMB in 2 seconds. Meituan related people have disclosed to the media that after the meituan takeout scene opened the digital RMB payment channel, the number of new users adding digital RMB sub wallet increased significantly. The number of new users adding digital RMB sub wallet on the 3rd day of APP on the shelves increased 18 times year-on-year, and the digital RMB transaction order and transaction amount increased about 15% year-on-year, All these show users' expectations for digital RMB. ▲ meituan's digital RMB payment display However, meituan still does not support digital RMB payment for all services. Although there are many payment scenarios of meituan app among similar supported friends, in many scenarios, you can only choose the previous payment method for payment. If you have multiple meituan's "sub wallets", select digital RMB in the payment interface and click to confirm payment. You also need to select which digital RMB wallet to use for payment again. If the balance of the corresponding sub wallets is insufficient, you also need to recharge digital RMB before payment, or exit and re select a supported sub wallet. ▲ the balance of digital RMB is insufficient and needs to be recharged for reuse The development of digital RMB has a long way to go This is also the difference between digital RMB payment and existing payment methods. When we use bank app, WeChat payment and Alipay payment, we can use more payment channels, and one balance is not enough to choose another balance, so we do not need extra recharge. However, digital RMB needs to be recharged. The change of your wechat wallet and the balance of digital RMB are two concepts. You need to recharge first and then use the corresponding wallet. This is one more step for users. Take the digital wallet of Weizhong Bank (wechat payment) for example. Users need to recharge the corresponding digital wallet with a bank card, and then use the digital wallet of Weizhong bank for payment. Moreover, the recharge of this digital wallet does not support the wechat change commonly used by users. For users, it is necessary to bind another bank card in this digital wallet. ▲ the digital wallet of Weizhong bank needs to be recharged with a bank card Many users may have such a question, then why should I use the digital RMB wallet? After all, many accounts have been bound to the current bank app and payment app, and payment, recharge and transfer are already very convenient. It seems that there is still a lot of work to be done in the early stage of using digital RMB. A common explanation is that merchants can reject payments made by Alipay and WeChat, but he can not refuse digital Renminbi. Because this is also a legal tender, rejection is illegal. Just as commemorative coins, which are legal tender, can also be used for circulation, businesses can't refuse them - although few people will do so. In the long run, digital RMB has the functions of dual offline payment and controllable anonymity, which can play a certain role in anti money laundering and anti tax evasion. As a legal tender supported by national credit, it has advantages that ordinary electronic payment tools do not have, and may also break the payment barriers that users have had a headache for a long time. From a strategic point of view, digital RMB allows China to cross the swift system in international settlement; Technical conditions for cross-border use; In the long run, it can also enhance the international competitiveness of RMB, which are the macro advantages of digital RMB. However, from the current use experience, there is still a long way to go for digital RMB users to develop their use habits. It is good news that high-frequency app scenarios support payment, but the current experience is far from satisfying users. The meituan scenario has not been fully opened up, and many services cannot use digital RMB; JD only supports the purchase of JD's own products, and does not support the E-wallet of China Merchants Bank; Didi and many apps lack guidance after setting the sub wallet, and jumping directly to the app will also confuse users; Weizhong bank digital wallet can pay merchants, but it still can't transfer or collect money in wechat ▲ after Weizhong bank opens the digital wallet, you can see the option of "payment in digital RMB" when collecting and paying. Only merchants can scan the code for collection If you look at the digital RMB from the perspective of twenty or thirty years, it will affect the business form and financial form in the future, which is still in the early stage of development. But if you only look at the current use experience, it is a long way to go, and digital RMB still needs to work hard. (Xinhua News Agency)