The central bank's international wallet is different from the central bank's digital wallet. There are many versions of the central bank's international wallet pretending to be the "digital currency" of the central bank. At present, there is a kind of "central wallet", which is actually killing pig dishes. Individuals and enterprises open digital wallets through commercial banks and commercial institutions. Similar to paper money, users do not need to bind the corresponding bank account or network to transfer money to each other, but they need to bind the corresponding bank account to recharge or withdraw money from the digital wallet.