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]