Digital currency's principle: digital currency can be regarded as a virtual currency based on node network and digital encryption algorithm. Digital currency's security is certainly guaranteed. Digital currency is an unregulated digital currency, which is usually published and managed by developers and accepted and used by members of a specific virtual community. It is an alternative currency in the form of electronic money. Digital gold coins and cryptocurrency belong to digital currency.

Digital currency is a double-edged sword. On the one hand, the blockchain technology it relies on has been decentralized and can be used in other fields outside digital currency, which is one of the reasons why Bitcoin is popular; On the other hand, if digital currency is widely used as a currency, it will have a great impact on the effectiveness of monetary policy, financial infrastructure, financial market and financial stability.