数字人民币是一种数字加密货币，数字人民币可以简单地理解为纸质人民币的数字化或电子化，但数字人民币与第三方平台的电子支付不同。由中国人民银行发行的数字人民币，采用双层运营系统。数字人民币的发行实质上相当于发行纸质人民币，而不是类似于电子支付或网络支付的第三方平台上，而是基于国家信用的法定货币。
The digital renminbi is a digital encrypted currency, which can simply be understood as a paper renminbi digitized or digitized, but the digital renminbi differs from the electronic payment of third-party platforms. The digital renminbi, issued by the People’s Bank of China, uses a two-tier operating system.
数字人民币是由国家信用背书中国人民银行发行的纸质人民币电子版，具有法偿性。数字货币一般应用场景是面额较少使用频繁的场景，其发行成本相对较低，同时使用也更方便，能有效解决现金支付找零、洗钱等问题。
The digital renminbi is an electronic version of the paper renminbi issued by the People’s Bank of China, which is endorsed by the State, and is legal. The typical digital currency application scenario is one in which face-to-face use is less frequent and its distribution costs are relatively low, while it is also easier to use and can effectively address issues such as petty cash payments, money-laundering, etc.
数字人民币不用绑定任何银行账户，交易也只需持手机下载双方互触即可，在没有网络的情况下仍可使用，比第三方平台支付更安全方便。
The digital renminbi does not bind any bank account, and the transaction is simply connected to a cell phone download, is still available without a network and is more convenient than third-party platform payments.
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