中國人民銀行（央行）日前宣布，將發行全球首款「中央銀行數位貨幣」（Central Bank Digital Currency, CBDC）——數位人民幣。.
目前，已經在部分地區，展開小規模封閉測試，究竟數位貨幣是什麼？《數位時代》整理常見的七大疑問。
跟密碼貨幣「去中心化」概念不同，數位人民幣由央行集中發行，以國家信用為擔保，發行量沒有上限，取決中國政經實力，特色是價格穩定，不會大幅波動，且數位人民幣就是法幣，不能拒收。
密碼貨幣不同，以比特幣來說，設有發行上限（2100萬個），因為去中心化，沒有特定機構在背後做擔保，必須在收付款雙方都同意下才能完成交易。
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