(1) Is the money in Alipay a virtual currency? Answer with high school political knowledge
No, although it feels like payment and deposit and withdrawal transfer on a virtual network, the bank The real account funds in the account will also carry out corresponding real operations with the network operation, which has a one-to-one effect on the objective world, so it is not a virtual currency.
(ii) Does the money in Alipay count as virtual currency?
Not counted.
Alipay is equivalent to a bank. The money you deposit seems to become the number on the app, but in fact, it is still circulated in the form of banknotes.
What kind of virtual currency is that? The virtual currency that most people think of now is an investment-worthy currency such as Bitcoin, and people trade on Chinacoin to earn extra income. But virtual currency also refers to game currency such as q coins.
Virtual currency refers to non-real currency. Well-known virtual currencies such as Internet coins of Internet companies, Q coins of Tencent companies, Q points, coupons of Shanda companies, micro coins launched by Sina (used for micro games, Sina reading, etc.), chivalrous ingots (used for chivalrous Taoist games) ), silver pattern (for Bixue Qingtian game).
The popular digital currencies in 2013 include Bitcoin, Litecoin, Unlimited Coin, Quark Coin, Zeta Coin, BBQ Coin, Penny Coin (external network), Invisible Gold Bar, Red Coin, Prime Coin. There are hundreds of digital currencies issued around the world. The legend of “bit gold, Wright silver, infinite copper, penny aluminum” is popular in the circle.
According to the notices and announcements issued by the People’s Bank of China and other departments, virtual currency is not issued by the monetary authority, does not have currency attributes such as legal compensation and mandatory, is not currency in the true sense, and does not have the same characteristics as currency. Equivalent legal status, cannot and should not be used as currency in the market, and citizens’ investment and trading of virtual currency are not protected by law.
On the evening of May 18, 2021, the China Internet Finance Association, the China Banking Association, and the China Payment and Clearing Association jointly issued the “Announcement on Preventing the Risk of Hype in Virtual Currency Transactions”. The announcement clearly stated that relevant institutions shall not carry out business related to virtual currency, and at the same time remind consumers to increase their awareness of risk prevention and beware of loss of property and rights and interests.
(iii) Why WeChat and Alipay prohibit virtual currency transactions
On October 10, the two domestic payment giants Alipay and WeChat simultaneously spoke out, prohibiting the use of the platform in virtual currency transactions. Why did Alipay and WeChat speak at the same time? The reporter learned that this may be related to a recent development of a virtual trading platform.
Alipay and WeChat: Once found, they will be resolutely cleared
In China, payment institutions are repeatedly prohibited from providing services for virtual currency
In fact, the central bank and its branches have repeatedly requested payment institutions not to provide services for virtual currency transactions.
As early as the end of 2013, the “Notice on Preventing Bitcoin Risks” issued by the central bank and other ministries made it clear that financial institutions and payment institutions shall not use Bitcoin as a product or service price, and shall not buy, sell or act as a currency. When the central counterparty buys and sells bitcoin, it shall not underwrite bitcoin-related insurance business or include bitcoin in the insurance coverage, and shall not directly or indirectly provide customers with other bitcoin-related services, including: providing customers with bitcoin registration, trading, Clearing, settlement and other services; accepting bitcoin or using bitcoin as a payment and settlement tool; developing bitcoin, RMB and foreign currency exchange services; developing bitcoin storage, custody, mortgage and other businesses; issuing bitcoin-related financial products; Use Bitcoin as an investment target for trusts, funds, etc.
In September 2017, the “Announcement on Preventing Token Issuance Financing Risks” jointly issued by the central bank and other seven departments stipulates that financial institutions and non-bank payment institutions shall not directly or indirectly issue tokens for Financing and “virtual currency” provide products or services such as account opening, registration, trading, clearing, and settlement.
Similarly, the Business Management Department of the Central Bank issued a notice in January 2018, requiring all legal person payment institutions within their jurisdiction to carry out self-inspection and rectification work in their own units and branches, and it is strictly forbidden to provide services for virtual currency transactions, and take Effective measures prevent payment channels from being used for virtual currency transactions.
(iv) Alipay strictly prohibits virtual currency transfer transactions, and how will it be handled if found out?
On June 21, @ Alipay Weibo issued a statement saying that in order to further implement the meeting of the Financial Committee of the State Council Spirit, strictly implement the “Notice on Preventing Bitcoin Risks” and “Announcement on Preventing Token Issuance Financing Risks”, and according to the regulatory guidance requirements of the relevant departments of the People’s Bank of China, Alipay will continue to carry out comprehensive inspections and crackdowns on virtual currency transactions. Governance, and further intensify the crackdown from four aspects:
1. Continue to strictly monitor and investigate transactions involving virtual currency, establish an inspection system for key websites and accounts, and block them as soon as they are found;
2. Strengthen the risk monitoring of payment transactions, Virtual currency transfer transactions are strictly prohibited, risk algorithm models are deployed, abnormal transaction monitoring is strengthened, risk reminders for suspected payers and payees are restricted;
3. And continue to carry out risk monitoring of contracted merchants. Once merchants are found to be engaged in virtual currency transactions, they will be blacklisted and subsequent cooperation is prohibited; Ways to strengthen user publicity and warning education.
Alipay was interviewed:
The People’s Bank of China announced on June 21 that virtual currency trading speculation disrupted the normal economic and financial order, breeding illegal The risk of illegal and criminal activities such as cross-border transfer of assets and money laundering seriously infringes the property safety of the people.
In order to combat the hype of virtual currency transactions such as Bitcoin and protect the property safety of the people, the relevant departments of the People’s Bank of China recently interviewed Alipay, Industry and Commerce on the issue of banks and payment institutions providing services for the hype of virtual currency transactions Banks and some other banks and payment institutions.
(v) Is the money in Alipay virtual currency?
Not virtual currency.
The money in Alipay is equivalent to a margin account, with no interest, but there are usage restrictions. If there is a bank card bound, it will be currency after withdrawal.
㈥ Is Alipay a virtual currency?
It is 2, the bank account password is still in your hands, you just put the money into the Alipay account , the bank’s interface will appear when paying, instead of direct transaction on Alipay. After you confirm the receipt of the goods, Alipay will send the money to the seller. If the transaction is canceled or you apply for a refund, Alipay will return the money to you. The account you paid for
About the supplementary question, there is nothing wrong, it is just an intermediary, a trading platform, and there are many accidents. If you plant a Trojan horse, you may be caught without Alipay
㈦ Alipay will prohibit virtual currency transactions. Is virtual currency a scam?
Virtual currency is a technical means and there is no such thing as cheating or not. In recent years, the development of mobile phones has become faster and faster, and it has also led to the change of payment methods. Few people use banknotes to pay in life, and most of them have begun to use Alipay, WeChat and other methods, which are popular among the public because of their convenience and speed. Especially Alipay is the way that many people choose to pay. It also has Huabei, borrowing and other products that are convenient for many people, but recently Alipay has explicitly banned virtual currency transactions.
Alipay made such a decision this time to safeguard everyone’s interests, and we usually invest It is also important to note that you can only buy after a thorough understanding, and you can’t blindly follow other people’s opinions. You need to be cautious when investing!
㈧ Alipay strictly prohibits virtual currency transfer transactions, what do netizens think
Alipay strictly prohibits virtual currency transfer transactions. Netizens ridiculed Alipay: “Knowing treasure, we don’t play virtual currency”, and some netizens expressed their support: “Good, these people (buyers and sellers) made the graphics card memory so expensive, Nowadays, ordinary people have to wait for a long time to buy a computer, or they have to buy it at a high price.”
It is reported that recently, the relevant departments of the central bank have interviewed the industry and commerce regarding the issue of banks and payment institutions providing services for virtual currency trading speculation. Bank, Agricultural Bank, China Construction Bank, Postal Savings Bank, Industrial Bank and Alipay (China) Network Technology Co., Ltd. and some other banks and payment institutions.
Alipay issued a statement saying that it will monitor and investigate transactions involving virtual currency, and will block it immediately once it is discovered. Strengthen the risk monitoring of transaction links, and strictly prohibit virtual currency transfer transactions.
Extended reading – Agricultural Bank of China prohibits the access of customers involved in virtual currency transactions
On June 21, the website of Agricultural Bank of China issued the “About Prohibition of Using Our Bank” Statement on the use of services for virtual currency transactions such as bitcoin.
In order to further implement the spirit of the meeting of the Financial Committee of the State Council, and strictly implement the “Announcement on Preventing the Risk of Token Issuance and Financing”, “Announcement on Preventing the Risk of Hype Risk in Virtual Currency Transactions” and other regulations, in accordance with the recent agreement of the relevant departments of the People’s Bank of China Regarding the guidance requirements, our bank will continue to carry out crackdown and governance actions on virtual currency transactions, and declare as follows:
1. Our bank will not carry out or participate in any business activities related to virtual currency, and it is forbidden to involve virtual currency transactions. Currency trading customers will be admitted, and the investigation and monitoring of customers and capital transactions will be strengthened.Once relevant behaviors are discovered, measures such as suspending account transactions and terminating customer relationships will be taken immediately, and will be reported to the relevant departments in a timely manner.
2. In order to protect your legitimate rights and interests and the security of funds in your account, please actively cooperate with our bank’s due diligence work, assist our bank in fulfilling legal obligations, and combat crimes involving virtual currency mining and capital transactions behavior.
3. Customers should be highly alert to the risks of virtual currency-related business activities, improve risk prevention awareness and identification capabilities, and beware of being deceived. If you find any of the above behaviors, you can call our customer service hotline to report.
Our bank reiterates that it will strictly implement relevant national regulatory requirements, abide by industry self-discipline commitments, and resolutely crack down on virtual currency-related business activities. No institution or individual may use our bank accounts, products, services, etc. for token issuance Financing and virtual currency trading.
㈨ Is the change in Alipay WeChat virtual currency?
It is not virtual currency, but electronic currency. For many people, these two years have undoubtedly been a very helpless and painful two years. Due to the impact of the new crown epidemic, many uncontrollable phenomena have frequently occurred. Recently, is the change in Alipay WeChat virtual currency? This news It has attracted the attention of many friends, and even surprised many people. After learning this kind of news, many friends have made guesses. In addition to the above explanation, is there any other explanation?
Different opinions
At present, there are many kinds of answers to this question. Which one is true and which is false, or you need to distinguish it personally, my personal opinion is that the funds of Alipay and WeChat It does not belong to virtual currency, it is RMB. The funds in WeChat and Alipay are actually equivalent to the margin account. It does not contain interest. However, there are restrictions on its use, because if there is a bank card bound, it is us. The money that is usually withdrawn.
The above questions are my personal thoughts. If you have other thoughts, you can comment or discuss them below.
㈩ Alipay will prohibit virtual currency transactions. Is virtual currency illegal?
Alipay will prohibit virtual currency transactions. Virtual currency is not clearly defined in our country’s laws. Illegal regulations are not illegal. Recently, Alipay issued a statement prohibiting the transaction of virtual currency, which caused heated discussions, but most of them expressed support for this behavior of Alipay, and believed that Alipay’s approach was correct, because there are many uses of virtual currency, which can effectively avoid being used by criminals.
Although there are no clear regulations for virtual currency, there are behaviors such as pyramid schemes in some virtual currencies. There will be various scams in the various forms of currency. For those who want to invest, they must be cautious and make a decision after they understand everything. But now that the Internet is developing more and more rapidly, it is possible that virtual currency will have a better development.
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