前几天去苏州出差，路过一家小面馆吃早餐。结账时，老板娘看我掏手机准备扫码，笑着问："用数字钱包吗？直接碰一下就行。"我有些意外，这家不起 眼的小店竟然已经支持数字人民币支付。更让我惊讶的是，老板娘告诉我，店里近三成的顾客都在使用数字人民币，尤其是年轻人和老年人。 "年轻人觉得新鲜，老年人用着方便，不用扫码，碰一下就完事了。"她解释道。我好奇地问起使用体验，老板娘说："刚开始不习惯，后来发现比微信支 付宝还方便，而且没有手续费，到账也快。" 这个小小的经历，让我对数字人民币在普通人生活中的渗透有了直观感受。作为全国首批数字人民币试点城市之一，苏州已经走过了六年的探索历程。那 么，这六年来，数字人民币在苏州的试点情况究竟如何？它与传统纸币相比有何优势与不足？未来的支付格局又将如何演变？ 根据中国人民银行数字货币研究所2025年6月发布的《数字人民币试点进展报告》显示，截至2025年5月底，全国数字人民币试点地区累计开立个人钱包 3.8亿个，累计交易金额突破21万亿元。其中，苏州地区开立个人钱包数量达2350万个，覆盖当地常住人口的约87%，位居全国试点城市前列。 这组数据背后，是数字人民币从无到有、从小众到大众的 ...

Core Viewpoint - The practicality and trust in digital currencies are questioned in the context of power outages, highlighting the differences between centralized and decentralized digital currencies [1]. Group 1: Centralized Digital Currencies - Centralized digital currencies, such as Central Bank Digital Currencies (CBDCs), are issued and managed by governments or financial institutions and rely on centralized servers and payment systems [3]. - In localized power outages, if the server area maintains power and payment terminals have backup power or offline payment capabilities, centralized digital currencies can still function [3]. - However, in widespread power outages affecting servers, transactions and usage of centralized digital currencies may face significant disruptions due to the inability to verify and record transactions [5]. Group 2: Decentralized Digital Currencies - Decentralized digital currencies, exemplified by Bitcoin, operate on blockchain technology, which is a distributed ledger maintained by numerous nodes [7]. - Theoretically, as long as some nodes remain operational, transactions can continue even in localized power outages, due to the decentralized nature of the blockchain [7]. - Practically, most users' devices may be inoperable due to power loss, and network connectivity could be compromised, hindering access to the blockchain for transactions [7]. - A large-scale power outage could incapacitate many nodes, leading to network congestion or reduced computational power, which would affect transaction confirmation speed and success rates [7]. Group 3: Merchant Acceptance and Practical Challenges - The acceptance of digital currencies by merchants is crucial; even if digital currencies can theoretically be used during power outages, transactions may fail if merchants' payment devices are non-functional or if they lack knowledge of offline usage [9]. - The ability to use digital currencies during power outages is contingent on various factors, including the type of digital currency, the extent of the power outage, backup power availability, and merchant acceptance [9]. Group 4: Future Considerations - Despite existing technical mechanisms, power outages can still pose challenges to the use of digital currencies [11]. - To enhance the practicality and stability of digital currencies, ongoing efforts in technology development, infrastructure improvement, and user education are necessary to ensure secure and convenient payment experiences in extreme conditions [11].