(A) Mode Overview
Virtual currency is a computer-generated or network operation management of the network of community issued a virtual currency that can be used to buy some virtual items such as online games among the clothes, hats, equipment, etc., as long as people accept Bitcoin can be used like this among the virtual currency to buy real life items.
First let us understand the following e-money. We all have bank savings card, the card to play our money, our bank account will be more of a number that represents how much we save money in the process, we put in the hands of a bill to Bank, Bank of Bank of Kali Jia give us a number, this number is our electronic money. After we put into your account, you can be on the ATM machine or counter the money taken out, can also make purchases or transactions through online banking, or a variety of third-party payment CUP. As can be seen here, the electronic money has the following characteristics: 1, and the electronic money bills (or physical currency) can be easily converted to each other directly; 2, the electronic money data corresponding to the same amount of money kind; 3 we need to pay real money to the issuer of electronic money (banks and other financial institutions) in exchange for an equivalent amount of electronic money.
So, we can understand electronic money into real money (banknotes, coins, etc.) "de-materialization" I believe this is the future mainstream form of a long period of time is money.
Followed by virtual currency. Can be seen from the name, the virtual currency is not money, it is virtual. Virtual currency is also very much in contact with everyone, the most common is the Q coins, or coins. Q coins would not have said, QQ members of distinguished world we mortals do not understand. Game currency we can simply be divided into two categories, one is in the game or play against Daguai get bonus coins, the other is basically only through the exchange of high-level game currency recharge, game currency mainly refers to the following second. Whether Q coins or play money, we can find some common: a virtual currency can be seen as a commodity; 2 physical currency can easily be exchanged for virtual currency, virtual currency but basically can not be exchanged for physical currency (. through official channels), which is one-way flow.
So we can say that virtual currency is a commodity that can be purchased with real money or electronic money.
Finally, digital currency. Digital currency is electronic money in the form of alternative currency. Digital gold currency and password are all digital currency. It is different from the virtual world of virtual currency, digital currency that can be used for real goods and services transactions, but not limited to online games. One of the most famous and most successful is Bitcoin. To Bitcoin, for example, it is not issued by an independent issuer, but according to a specific algorithm, a lot of computation produced by the network.
We will find that digital money and electronic money or have similarities: both in the form of electronic data. But we will find that they differ more: there are electronic money issuer and the agency in an equal number of corresponding physical currency, they can be exchanged for real money with each other; and there is no specific digital currency issuers (to the center), It can only exist in the network data. So, simply understanding what: electronic money is our money in the form of Cary; virtual currency is entirely a commodity; and as for digital currency, is a new concept currency.
(B) core logic
Although electronic money is in response to the rise of e-commerce, electronic money but the future will gradually replace the existing currency of some of the features, because electronic money with a high degree of convenience, but the main reason is the money generated to facilitate people's lives.
(C) the main opportunities
Third-party company launched a prepaid card, Q coins this virtual money can stimulate consumption, rather than to develop into something of currency convertibility, consumer entity monetary feeling very strong, while consumption of virtual currency with credit card Consumer feel similar, may be stimulate consumption.
(Iv) challenges
Some virtual currency is too large, resulting in the expansion of currency flows in its field, but also lead to serious bankruptcy. Just like the early Bitcoin online merchants use, but then business entities have begun to accept the line, as well as the exchange ratio, it will be more to strengthen the regulatory policies, the country that is illegal, does not allow for physical transactions. Virtual currencies may have an impact on the monetary system, and therefore will be very strict supervision.
(E) on behalf of the enterprise
Foreign Bitcoin, Amazon currency, Facebook credits, the domestic Q coins and so on.
Q coins: Tencent in the early development of the Internet on the launch of electronic virtual currency, its currency against the price of 1Q = 1 yuan, can be used to pay for the QQ QQ line number, QQ Member Services and other services, including online and offline purchasing channels under.
Bitcoin: Unlike most different currency, Bitcoin does not rely on specific institutions to issue currency, it is produced by a large number of calculations based on a specific algorithm Bitcoin uses a distributed database for the entire economy P2P network composed of many nodes to identify and record all transactions, and the use of cryptography to ensure that the design of the currency in circulation in all aspects of security. The total number of bits is limited currency, is extremely scarce. The monetary system has been in four years, not only over 10.5 million, after the total number will be permanently limited to 21 million.
Like Tencent Q coins, coins with Amazon Bitcoin is not the same, it is a closed operation of virtual currency, can not just get the purchase of other goods on the market, can not be exchanged for cash, the real economy will not cause a great impact, and Tencent and become Amazon's revenue. Virtual currency like Bitcoin Although born to replace sovereign currency, but in the foreseeable future is unlikely. Details exchange, please add the author!