Digital currency, the arrival of the era of digital cryptocurrency

Song). Compared with electronic payment, which is mainly based on traditional electronic payment tools, currency digitization is a virtual currency based on the latest information technology. At present, digital currency is mostly issued by non-financial institutions and circulates in the virtual world. There is no unified definition and name for this internationally. The European Banking Authority (
. )) calls this type of currency a virtual currency and defines it as a digital representation of value that is neither issued by a central bank or public authority nor linked to a legal currency, but is created by a natural person or Accepted by legal persons, it can be used as a means of payment, and can also be transferred, stored or traded in electronic form. Virtual currency itself is not a physical entity, nor is it a currency based on a physical entity, but digital information used for network investment, transactions and storage, representing a certain amount of wealth.
Although regulatory authorities in various countries have not reached a consensus on the development prospects and regulatory measures of digital currencies such as Bitcoin, many financial institutions and regulatory authorities agree that the technology used in digital currencies has very broad application prospects. Since the advent of Bitcoin, commercial banks represented by Citibank have also begun to use blockchain technology to develop their own digital currencies.
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