中国的数字货币

中国版数字货币项目称为DC/EP，即数字货币和电子支付工具。其功能属性与纸钞完全相同，只不过是数字化形态。我们对它的定义是“具有价值特征的数字支付工具”。
The Digital Currency Project in China is called DC/EP, or a Digital Currency and Electronic Payment Instrument, of which functional properties are exactly the same as paper money but in digital form. It is defined as a “digital payment tool with money value characteristics”.
中国版数字货币不需要账户就能够实现资金转移。在具体场景中，只要手机上有DC/EP的数字钱包，只要两个手机碰一碰，无需网络就能实现转账功能。传统电子支付在没有信号的环境中毫无用处，而DC/EP不需要网络就能支付，因此也被称之为付款人和收款人双方“双离线转账”。
The PRC’s digital currency does not require a bank account to achieve a value transfer. In fact, as long as the smart phone has DC/EP digital wallet, do not need the network, as long as two mobile phones touch, it can realize the transfer function. Traditional electronic payments are useless in an environment without signals, and DC/EP does not require network payments, so it is also known as "double offline payments" between payer and payee.