1. Wallets are divided into different grades according to the intensity of customer identification.
Operating institutions identify customers, manage digital RMB wallets at different levels according to the intensity of customer identification, and give different transaction limits and balance limits to various wallets according to the strength of real names. The four types of digital RMB wallets with the lowest authority belong to anonymous wallets, with a balance limit of 1 1,000 yuan, a single payment limit of 2,000 yuan and a daily cumulative payment limit of 5,000 yuan. Only my mobile phone number can be opened, which embodies the design principle of controllable anonymity of digital RMB.
If you want to spend more than 2,000 yuan on things, you can upgrade your wallet, upload valid ID information and bind your bank account information. For example, after upgrading to the second-class wallet, the upper limit of your wallet balance will become 500,000 yuan, the single payment limit will rise to 50,000 yuan, and the daily cumulative payment limit will be 654.38+10,000 yuan.
2. According to the open subject, it is divided into personal wallet and corporate wallet.
Natural persons and individual industrial and commercial households can open personal wallets and adopt classified transactions and balance limit management according to the corresponding customer identification intensity; Other legal persons and unincorporated institutions can open legal person wallets, and determine the transaction and balance limit according to whether it is opened at the counter or remotely. The wallet function can be customized according to the needs of users.
3, according to the carrier is divided into soft wallet and hard wallet.
Soft wallet includes services provided by mobile payment APP and software development kit (SDK); Hard wallets include IC cards, wearable devices, and Internet of Things devices. For example, we have launched a hard wallet product with the function of health code for the elderly, which provides a safe and convenient payment function and facilitates daily travel under the prevention and control of epidemic situation of the elderly.
4. According to the ownership of authority, it is divided into mother's wallet and child's wallet.
The wallet holder can set the main wallet as the mother wallet, and can open multiple sub wallets under the mother wallet. Individuals can realize limited payment, conditional payment, personal privacy protection and other functions through the sub-wallet. For example, if you want to hide private money, you can also manage the functions given by relatives. Enterprises and institutions can realize the functions of fund collection and distribution, accounting treatment and financial management through sub-wallets.
The role of digital RMB wallet classification
Different combinations of wallets constitute the wallet matrix system of digital RMB. On this basis, we will jointly develop basic payment function components with the designated operating organization * *, and use smart contracts to realize conditional payment functions triggered by time conditions, scene conditions and role conditions, such as fund management functions for single-use prepaid cards to avoid risks such as cash running away.
Designated operating institutions and other authorized institutions can further develop complex payment/financial products, build wallet ecological platform, meet the needs of multiple scenarios, and realize characteristic functions.