China National Intellectual Property Administration Patent Research System shows that since August 4th, 20th19th, digital currency Research Institute has requested to use digital currency. There are 74 patents. For the current design of digital currency Bank, "the existing M0 (banknotes and coins) are easy to be anonymously forged, and there are risks such as money laundering and terrorist financing. Electronic payment tools (such as bank cards and Internet payment) are based on existing banks, and accounts are closely related.
The payment demand can't be completely met, so electronic payment tools can't be completely replaced. Especially in areas where account services and communication networks are not fully covered, people are still more dependent on cash. Therefore, our DC/EP design retains the key attributes and characteristics of cash, and also meets the portability requirements.
Since its issuance, Bank of digital currency has adopted a two-tier operation system, first transforming digital currency into a bank or other operating institution, and then into the public. Mu Changchun said that this dual-drive system is suitable for China's national conditions. It can not only use the existing resources to mobilize the enthusiasm of commercial banks, but also improve the acceptance of digital currency, without any problems.