The Bank of China is experimenting with offline payments for digital yuan via SIM cards. This move is part of the country’s broader push to develop a central bank digital currency (CBDC). The trials are still in the early stages, but the potential implications for the wider adoption of digital currencies are significant.
 

Offline payments are a crucial feature for digital currencies, particularly in areas where internet connectivity is unreliable. The use of SIM cards to facilitate these payments is an interesting development and could make digital currencies more accessible to a broader range of users.
 

The announcement on July 10 highlighted the bank’s collaboration with telecommunications companies China Telecom and China Unicom, as well as its intention to begin testing the following day.
 

Transactions can now be processed even when the phone is turned off. However, the bank noted that these SIM card payment functionalities will only be available on certain Android phones in a limited China test zones.
 

数字人民币APP上线SIM卡硬钱包，支持无网无电支付，目前仅限安卓用户

7月11日，数字人民币App已上线SIM卡硬钱包功能。数字人民币用户在手机插上运营商发行的超级SIM卡，登录数字人民币APP，开通SIM卡硬钱包，利用手机NFC功能“碰一碰”即可完成数字人民币支付。不过，该功能目前仅限安卓用户使用。
 

数字人民币现处于在我国部分地区试点阶段，还未在全国开放。数字人民币App（试点版）中显示，试点地区包括：北京、天津、河北省、大连、上海、江苏省、浙江（杭州、宁波、温州、湖州、绍兴、金华）、福建（福州、厦门）、山东（济南、青岛）、长沙、广东省、广西（南宁、防城港）、海南省、重庆、四川省、云南（昆明、西双版纳）、西安。这些地区的用户可咨询中国移动、中国电信、中国联通三家运营商更换或新领取超级SIM卡。
 

据介绍，SIM卡硬钱包是指把数字人民币软钱包关联至超级SIM卡，使SIM卡具备数字人民币支付功能。超级SIM卡是5G时代重点打造号、卡、消息三大基础入口。其中卡是超级SIM卡，既可以当饭卡、门禁卡、交通卡，也可以当做车钥匙或进行5G电子签名，大额转账等。超级SIM卡在中国国内已覆盖移动、电信、联通三大运营商，落地全国数十个省市地区。
 

SIM卡硬钱包支持收付款双方无网无电支付。也就是说，在手机没电或屏幕未解锁的情况下，用户依然可以使用碰一碰完成支付，不需要依赖手机电量即可使用。通过“碰一碰”方式完成双离线支付，是数字人民币实现全地区覆盖、全人群服务、全场景适用目标不可或缺的有力补充。
 

如果手机丢失，用户可在另一手机登录数字人民币App，挂失SIM卡硬钱包，防止资金损失。

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