漫画 | 数字人民币究竟会颠覆谁？

分手后的思念是犯贱 2022-11-19 12:47 197阅读 0赞

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后记：数字人民币到底是什么东西？ 我用我掌握的知识做了一个科普，它和支付宝、微信完全不同，不是相互替代的关系。 这篇漫画没有提到一点就是数字人民币在底层是怎么实现的，比如它的底层技术是不是区块链？我看到了央行的穆长春司长的介绍：

一开始，人民银行数字货币研究小组做了一个原型，完全采用区块链架构。后来发现一个问题，因为我们的法定数字货币是M0替代，如果要达到零售级别，高并发是绕不过去的一个问题。去年双十一的时候，网联的交易峰值达到了92771笔/秒，比较一下，比特币是每秒7笔。以太币是每秒10笔到20笔，Libra根据它刚发的白皮书，每秒1000笔。可以设想，在中国这样一个大国发行数字货币，采用纯区块链架构无法实现零售所要求的高并发性能。所以我们决定央行层面应保持技术中性，不预设技术路线，也就是说不一定依赖某一种技术路线。

**数字人民币的底层技术是什么呢？ 欢迎懂行的小伙伴评论一下。**

更多**精彩技术漫画**，尽在**码农翻身**

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