Opinion: DC/EP can break the barriers of the payment industry to a certain extent, and commercial banks face the challenge of diverting deposits

欧科云链集团研究员李炼炫表示,央行数字货币最简单的理解就是电子现金,把法定货币的载体由纸质形式变为电子形式。而我们在日常生活中常用的货币多是纸币或硬币。从民众的体验角度看,其实DC/EP和支付宝/微信等第三方支付工具在使用方式上并没什么太大的不同。不过DC/EP在一定程度上可以打破支付行业的壁垒,比如支付宝和微信之间是不能相互转账的,但DC/EP既可以存入银行,也可以放入支付宝和微信的钱包。 分析人士称,数字货币对民众而言,与第三方支付工具在使用方式上并没什么太大的不同;对商业银行而言,则面临被抢夺客户、分流存款的挑战。银行会按照央行数字货币、数字钱包的标准,抓紧研发、推出数字钱包服务。(中国证券报)
最热快讯
BTC falls below 86,000 USDT, down 0.33% in 24H
According to OKX market data, BTC has fallen below 86,000 USDT and is currently trading at 85,960.3 USDT, down 0.33% in 24H.
A whale heavily invested in $4.5 million worth of Robinhood Meme and DeFi leaders has liquidated PONS, incurring a loss of approximately $200,000
Odaily News: According to on-chain analyst Aunt Ai's monitoring, a certain whale sold 5.338 million PONS at an average price of $0.6779, worth $3.67 million, driving the PONS price down 4% from $0.6968 to $0.6688. PONS was previously the largest on-chain asset of this address, with an entry price of approximately $0.7154. This sale resulted in a loss of about $200,000.
Former Hack VC partner Hsin-Ju found dead in California at age 37
Odaily News: Crypto industry figure Jordy posted on X platform that former Hack VC partner Hsin-Ju Chuang has been found dead, and expressed condolences. According to a screenshot of a report shared by Jordy, 37-year-old Hsin-Ju Chuang resided in North Las Vegas and was found dead last month near a remote exit off Interstate 15 in the Mojave Desert. Investigators have not yet determined the cause of death.Hsin-Ju previously claimed that she was required to continue working during a medical emergency and was threatened with being blacklisted from the industry if she left before an event was completed. She rejected Hack VC's settlement offer and had planned to publicly release evidence related to her tenure on August 26. Hack VC stated that it has noticed the relevant content, is concerned about Hsin-Ju's health condition, but said that its understanding of the events differs significantly from what Hsin-Ju published, and that it would not publicly discuss details out of privacy considerations.
Binance to List OURAUSDT USD-M Pre-IPO Perpetual Contract
Odaily News: According to an official announcement, Binance will list the OURAUSDT USD-M Pre-IPO perpetual contract at 08:30 (UTC) on September 23, 2026, with a maximum leverage of 20x and support for multi-asset mode.
Reaching a record high, Hyperliquid's open interest hits $18 billion
Odaily Report: Open interest on Hyperliquid has reached $18 billion, setting a new all-time high.
A newly created address bought 269,500 UNI worth $2.84 million
According to Lookonchain monitoring, a newly created address bought 269,500 UNI worth $2.84 million, while another address separately bought 138,400 UNI worth $1.23 million.
资讯热榜
日榜
周榜
UBS: Meta's Muse shows broad application prospects, will benefit the AI supply chain
Trump: I believe we will reach a deal with Iran after the U.S. midterm elections
MUBARAK and MARSCOIN rose briefly, with MUBARAK posting a 24H gain of 52%
Anthropic: Claude Sonnet 5.5 and Claude Haiku 5.5 to Be Released in the Coming Weeks
Kalshi requests CFTC to allow margin trading on its platform
Or, affected by the news of Binance's $100 million investment, Circle turned from decline to gain in pre-market trading
Federal Reserve's Collins: Rate hike will help inflation return to target
BTC breaks above 87,000 USDT, up 1.72% in 24H
ZEC briefly broke through 1,650 USDT to hit a new all-time high, up 10% in 24H
Robinhood-listed MONITOR market cap briefly surpassed $13 million, continuing to hit a new all-time high