digihuman(BJ:835670) Zhong Guo Jing Ji Wang·2024-11-09 01:15Core Viewpoint - The launch of the digital RMB visual hard wallet represents a significant innovation in payment solutions, catering to various demographics and enhancing payment convenience for both domestic and foreign users [1][4]. Product Innovations - The visual hard wallet features a display screen that allows users to view wallet balance, transaction amounts, and payment codes, facilitating both "tap" and "scan" payment methods [2]. - It expands the range of merchants that can accept payments, allowing for use with existing POS systems without requiring upgrades, thus benefiting small merchants and individual businesses [2][3]. - The wallet ensures user privacy by not linking the wallet to the user's identity during issuance, making it particularly valuable for foreign visitors and the elderly [2][3]. Technical Advancements - The visual hard wallet incorporates advanced technology such as a dot matrix e-ink screen, button module, and ultra-thin lithium battery, enhancing functionality and user experience [3]. - It employs security features like a secure chip and transaction switch to prevent unauthorized access, while also allowing for quick, password-free transactions in public transport scenarios [3]. Development and Application - The digital RMB ecosystem has been expanding since its pilot launch, with the visual hard wallet introduced to improve payment convenience for foreign visitors and the elderly, compatible with various payment scenarios [4][5]. - The digital RMB initiative aims to bridge the digital divide and enhance accessibility for older users, while also promoting the development of payment environments in public transport and daily consumption [5]. Overall Impact - The digital RMB has been positioned as a crucial financial infrastructure, contributing to the convenience of retail payments, transaction security, and the overall efficiency of capital flow, thereby supporting high-quality economic development [5].