Core Insights - The "Guangxin Pre" prepaid fund supervision platform was launched on October 11, with strategic agreements signed with six industry regulatory departments in Guangzhou [1][4] - The platform currently has 209 merchants registered, covering various aspects of daily consumer spending [1] Group 1: Platform Features - The platform allows consumers to purchase prepaid products such as annual cards and multiple-use cards through real-name authentication [1] - It utilizes the digital RMB management template from the People's Bank of China, implementing smart contract technology for real-time clearing of prepaid funds [4] Group 2: Collaboration and Ecosystem - "Guangxin Pre" aims to create a collaborative governance ecosystem involving government, banks, enterprises, and citizens [4] - The platform has established communication mechanisms with various industry regulatory departments and has partnered with over ten financial institutions, including Agricultural Bank of China and China Construction Bank [4] Group 3: Application Areas - The platform is expanding its application in key sectors such as childcare, vocational training, elderly care, retail dining, cultural tourism, gas stations, and sports fitness [4]

记者体验了"广信预"微信小程序，通过实名认证登录，消费者可在平台上选购入驻商家的年卡、多次卡 等预付产品。预付资金显示在消费者的"监管资金"账户中，消费记录一目了然。 当消费者向商户支付时，预付资金将由"元管家"产品提供保障，并进入加载智能合约的数字人民币钱包 中，以保证资金的安全；消费时，智能合约将依据预设条件计算应付金额，并从钱包中自动执行资金划 转至商户钱包。没有消费的资金则继续存管在消费者的钱包内，一旦商户出现破产、卷款跑路、停止服 务等异常经营情况，智能合约将保障预付资金安全退还。如果消费者有退款需求的，则可以依照消费者 和商户的合约约定，消费者可以直接发起退款，只要满足退款条件，资金也是即刻投入到消费者的账 户。 "充值健身卡后遭遇商家卷款跑路""美容院办卡后资金安全难以保障""店铺闭店后剩余费用拒不退 还"……在预付式消费愈发普及的当下，这些担忧早已成了老百姓心头挥之不去的"刺"。 10月11日，广州预付费资金监管平台"广信预"宣布上线，将"事后救火"扭转为"事前监管"，通过把商户 备案、合同签署、资金存管、风险预警这些关键环节串起来，打造全链条监管闭环，既为消费者预付资 金加装"安全锁"，也为 ...

那么，数字人民币对普通百姓来说有什么好处呢？ 首先，用数字人民币能"救急"且更方便。您是不是遇到过这样的尴尬：到了地铁闸机口，手机却因没电 不能扫码进站；大热天去便利店买水，手机突然自动关机；眼瞅着要迟到，却因手机没电付不了停车 费……这些烦恼，数字人民币的无网无电支付功能都能解决。用户在手机关机的情况下，仍然能用手机 "碰一碰" 收款终端完成支付。用户只要在数字人民币App中开通"无网无电支付"功能，并设置好关机后 可支付次数和单笔小额免密额度就行。 当然，也有网友担忧："方便是方便，那是不是很容易被盗刷？有人带着机具身边一过，钱会不会就没 了？"还有人问："别人捡到我的手机是不是可以随便花钱？" 从身边一过，就完成了支付，数字人民币可以在无网无电的状态下支付，虽说是方便了，但安全吗？ 其次，数字人民币还能成为你的"资金安全守护锁"。记者身边不少朋友都有这样的经历，办了健身卡、 美容卡，结果商家突然跑路，充的钱打了水漂。现在，数字人民币带来了救星——"元管家"。它就像预 付资金的"超级保镖"，专门守护你的钱包安全。简单来说，"元管家"用的是智能合约技术。这就好比给 你的预付资金上了双重保险，第一重，每笔钱都 ...

Group 1 - The 14th Financial Expo opened on June 26, featuring the launch of five new financial platforms, notably the digital RMB "Guangxin Yu" prepayment consumption guarantee service platform [1] - The "Guangxin Yu" platform is developed through collaboration between the People's Bank of China, Guangzhou Digital Technology Group, and banking institutions, utilizing the digital RMB APP "Yuan Manager" for prepayment fund management [1] - The platform addresses core issues in the prepaid consumption market by employing digital RMB smart contract technology to create a closed-loop management mechanism for prepaid funds, ensuring real-time clearing and safety of consumer funds [1] Group 2 - For merchants, the "Guangxin Yu" platform offers zero-fee withdrawals and interoperability with other mainstream payment platforms, while banks provide low-interest financing products to reduce operational costs [2] - All prepaid funds are controlled by smart contracts, effectively eliminating the risk of fund misappropriation and providing robust technical support for efficient and precise social governance by government departments [2] Group 3 - The digital RMB foreign currency exchange machine supports instant exchange of over 20 foreign currencies, enhancing the payment experience for foreigners in China [3] - The machine has been widely deployed in major airports and hotels, achieving a market share exceeding 90% and facilitating seamless cash access upon arrival [3] - The integration of AI, virtual reality, and big data technologies into banking services is exemplified by the AI digital human front desk machine, which improves service efficiency and customer satisfaction [3]