Is e money a virtual currency? What are the similarities and differences between electronic money an

No, for example, e-banking, he is still real money, but the intermediary is done on the network, so it should be real money.

That's right, virtual currencies, such as Bitcoin.

Electronic money is an electronic payment method for real money, which can be used to shop, transfer money and withdraw cash normally;

Virtual currency is a currency simulated through a certain conversion relationship, and cannot be used for general purchases and direct cash withdrawals.

1. Electronic money: that is, the currency of payment through electronic means. In essence, it is the electronic and networked legal tender, which is divided into stored-value cards, bank cards, third-party payments, etc. according to the issuer and application scenarios; It usually refers to the process in which the parties to an electronic transaction, including consumers, enterprises, and financial institutions, use digital means of payment to make monetary payments or transfer funds to another party through the Internet.

In general, electronic payment systems can be divided into two major payment systems: account-based and digital currency-based. An account-based payment system is when a user opens an account with a payment service provider. And authorize it to make payments, such as debit cards, credit cards and other settlement card systems, through the network by the "card number" to find the account of the acquired system, according to the instructions to complete the flow of funds on the account.

The payment system based on digital currency, users buy electronic digital tokens from the currency issuance, and the tokens have a certain value, which can realize the payment to the merchant, and can also be stored to play the role of cash in the network environment.

2. Virtual currency: The European Central Bank's "Virtual Currency System Report" released in October 2012 defines virtual currency as an unregulated digital currency, issued and controlled by its developers, and accepted and used by members of a specific virtual community.

To put it simply, virtual currency is issued by a specific entity, accepted and used by a specific member, and the value, usefulness, management and control of the currency are controlled by the issuing entity. According to this definition, at present, China's Tencent Q coin, Sina's U coin, and the currency are all virtual currencies. Before June 2009, Tencent's Q coins and other virtual currencies could be exchanged for RMB, but after 2009, the Ministry of Culture and the Ministry of Commerce jointly issued a notice that the above-mentioned virtual currencies could only be circulated on specific platforms, and could not be exchanged for RMB and could not be redeemed.

3. Cryptocurrency: It is a medium of exchange created by using the principles of cryptography to ensure the security of transactions and control the trading units. Cryptocurrencies use cryptographic algorithms and cryptography to ensure the security of the entire network.

Many cryptocurrencies are blockchain-based distributed systems that facilitate peer-to-peer transactions through private and public keys, and the public key must be published on the blockchain to allow everyone to witness the ownership and transaction process of the cryptocurrency. The issuer does not have any restrictions on the value, usefulness, and existence of the currency, and it runs on the blockchain network, and the value depends on the user. Typical cryptocurrencies such as Bitcoin, Libra, etc.

Hello, you want to inquire about the difference between central bank digital currency and electronic money. Theoretically, the electronic money payment system deals with the demand deposit component (M1-M0), while digital currency mainly belongs to the cash (M0) category. Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and obtaining data representing the same amount, or the transfer of the balance in the bank through some electronic means through the quick payment service launched by banks and third parties, so that transactions can be carried out.

Payment methods mainly include stored value cards, credit cards, e-checks, e-wallets, etc. The central bank's digital currency, the digital yuan, is a digital form of legal tender issued by the People's Bank of China, equivalent to cash, and can be used directly through a mobile app without the need for a bank or third party. The information is made by the respondent himself/herself, so please refer to it.

The difference between central bank digital currency and electronic money: 1. The difference between the issuer: the central bank digital currency is launched by the People's Bank of China; E-money is introduced through banks other than central banks and third parties.

2. Model differences: China's central bank digital currency should adopt a two-tier operation system; Electronic money is an electronic cash that is used based on the Internet environment and keeps the binary data representing the monetary value in the hard disk of the microcomputer terminal, and the other is an electronic wallet that stores the monetary value in the IC card and can be circulated out of the bank payment system.

Questions. Is a central bank's digital currency essentially an electronic currency?

Yes. However, digital currencies can be traded without the Internet, while electronic currencies cannot.

Questions. <>

Electronic money refers to the exchange of a certain amount of cash or deposit from the issuer and obtaining data representing the same amount, or the transfer of the balance in the bank through some electronic means through the quick payment service launched by banks and third parties, so that transactions can be carried out. Dear, look at this.

Digital currencies are not exchangeable from the issuer.

Because he was originally issued by the publisher.

So, this is different from the nature of electronic money.

Questions. Okay, I see.

Thank you. [flowers] [flowers] [flowers].

The most fundamental difference between Q coin and bitcoin is that the issuer is different.

Virtual currency is the electronic currency of illegal currency, the issuer is not the central bank, and it can only be circulated in a specific virtual environment, such as online game currency, which is mainly used for the purchase of virtual goods, but generally does not have security, so virtual trading platforms, such as a Zhiduoxing Weike, a certain one, a certain eight, etc., are specifically designed to provide safe transaction protection. Digital currencies can be used for real goods and services, but only state-issued digital currencies are legal tender, and Bitcoin is an illegal digital currency.

Virtual currency: Virtual currency refers to non-real currency, the state of existence is intangible, the most important difference between virtual currency and electronic currency is the difference of issuers, such as game currency, Q coins, bonds, etc. Virtual currencies are electronic forms of non-legal currencies that were originally issued by central banks.

This type of virtual currency is mainly limited to the circulation of a specific virtual environment.

Digital currency: a digital currency with the characteristics of distributed accounting, unique encryption technology, decentralized settlement, etc., and the application of the latest digital network technology such as blockchain. For digital tools to become sovereign or legal tender, they must also be backed by national credit.