e rupi kya hai in hindi
RBI ने लॉन्च किया ERupee का पायलट प्रोजेक्ट क्या है CBDC ‘e-Rupee’? CBDC ‘e-Rupee’ की जरूरत क्यों? CBDC और क्रिप्टोकरेंसी में क्या अंतर? जानिए पूरी डिटेल्स नूपुर से
E-rupee is a type of digital currency developed in India that can be used to conveniently and securely make payments online. It is based on blockchain technology, which allows it to be secure, transparent, and efficient. By using e-rupee, users can make payments to merchants quickly without having to worry about the security or trustworthiness of their transactions. Additionally, because it is based on blockchain technology, users are able to track their payments easily and have greater control over their finances.
- Digital Currency is a form of money that only exists electronically and is designed to be used for secure online transactions. It operates independently from government, banks, and other financial institutions, allowing users to send payments directly between the two parties without intermediaries or third-parties involved.
- Digital currency differs from normal money in several ways; it does not exist in physical form (it does not have notes or coins), its value is determined by market demand instead of government regulation, it has lower transaction costs than traditional currencies due to no centralised control over the currency supply, and it can be used across multiple global networks with significantly less risk of fraud or theft.
- The e-RUPI system proposed by the Central Bank of India is similar to UPI but has some extra features such as end-to-end encryption for security purposes and faster settlement time compared to UPI’s 24 hours limit.
- A CBDC will benefit the economy by reducing payment costs due to its digital nature, enabling quicker payments without requiring third party authentication processes as well as greater access for population segments who are excluded from financial systems due to inadequate documentation requirements such as rural communities or unbanked citizens altogether thus increasing financial inclusion levels in society at large..
- Major risks associated with this centralised digital currency include cybersecurity threats due to increased vulnerability when dealing with electronic finances; operational disruption which could lead to late payments caused by network outages; double spending issues caused by malicious actors involved; privacy concerns related data breaches exposing confidential information about customers’ accounts; regulatory uncertainty when dealing with legal frameworks governing these operations around the world ; and economic instability if there were any manipulation over monetary policy tools related CBDCs implementation worldwide