Where is Alipay digital RMB? How to activate it? How to use digital RMB for payment?

Alipay can now also use digital RMB. You can choose between real-name or anonymous use modes. Many friends still don’t know how to activate this function and how to use it. This article will teach you the specific operation methods. Friends who are interested should not miss it and continue reading!

How to activate Alipay digital RMB

The Alipay app has launched the digital RMB module for some users. Test users who are on the Alipay whitelist can see the "Digital RMB" module in the "My" column in the Alipay app, alongside Huabei, bank cards, etc.

For users who do not have digital RMB, there is currently no way to activate it. Only whitelisted users have digital RMB, and other users need to wait for the official to open more lists later.

Introduction to the digital RMB module in Alipay

The digital RMB module is similar to a digital RMB wallet, which can add bank cards, including ICBC, ABC, CCB, and Postal Savings Bank, as well as the newly joined operating institution MyBank. Previously, in the digital RMB APP, two Internet banks, MyBank and WeBank, had appeared, indicating that they would be opened soon. Currently, only WeBank has not yet been opened. However, not all digital RMB APP users can use the MyBank wallet function. In addition, in the digital RMB APP, the sub-wallets of the six major banks have added Tmall Supermarket, Hema and Ele.me, and MyBank has not yet shown the opening of the sub-wallet.

The editor also found that if Alipay users open the digital RMB module, they can choose digital RMB payment when using Alipay to receive and pay. However, the transfer function of the digital RMB module currently only supports real-name wallets opened with Alipay accounts.

How to use digital RMB to pay on Alipay

When the digital RMB module is activated, you can choose to use it anonymously or with real name, and real-name use can enjoy higher rights and interests. The user service agreement of the digital RMB wallet of the six major state-owned banks also mentioned that from the perspective of real name, digital wallets are divided into Category 1 (strong real name), Category 2 (relatively strong real name), Category 3 (weak real name) and Category 4 (relatively weak real name).

Among them, the first type of digital wallet has no balance limit, single payment limit, daily cumulative payment limit and annual cumulative payment limit. Customers must bring their ID card and bind their bank account at the counter to complete the activation. The second type of digital wallet has a transaction limit of 500,000 yuan balance limit, 50,000 yuan single payment limit and 100,000 yuan daily cumulative payment limit. Customers can submit valid ID information, mobile phone number, email address, bound account information and other relevant information at the counter, mobile phone and other channels, bind their bank account and complete remote activation. The third type of digital wallet has a balance limit of 20,000 yuan, a single payment limit of 5,000 yuan and a daily cumulative payment limit of 10,000 yuan. Customers can submit their identity information at the counter, mobile phone and other channels to remotely activate without binding a bank account. The fourth type of digital wallet has a balance limit of 10,000 yuan, a single payment limit of 2,000 yuan, a daily cumulative payment limit of 5,000 yuan and a transaction limit of 50,000 yuan annual cumulative payment. Customers only need information such as mobile phone number and email address to open it by themselves.

The above is all the content that the editor brings to you today on how to activate and use the Alipay digital RMB.