Dual-Offline Payment
A feature allowing transactions without internet for both parties, using NFC or similar tech.
What is Dual-Offline Payment?
In e-CNY, dual-offline payments enable secure transfers via hardware wallets or apps in no-network areas, syncing later to prevent double-spending. By 2025, this supports remote regions and disasters, mimicking cash resilience with NFC “touch-and-go” for amounts up to RMB 500.
For digital assets, it enhances CBDC usability in inclusion-focused pilots, like China’s trials in over 23 cities, reducing digital divide. Transactions remain traceable for AML while providing privacy.
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