Independent Research & Simulation Boundary

e-rmb.com is an independent research demonstrator. The term “e-RMB” is used solely as a public-facing research label. It is not an official name, website, application, wallet, account, operating institution, or service of China’s digital renminbi (e-CNY).

e-rmb.com is not operated by, affiliated with, endorsed by, sponsored by, or officially connected to the People’s Bank of China, the Digital Currency Institute, the Hong Kong Monetary Authority, any central bank or government authority, any e-CNY wallet operator, bank, payment institution, FPS participant, remittance provider, exchange, or other financial institution.

Simulation: YES
Real money: NO
Official e-CNY connection: NO
FPS connection: NO
Wallet / account: NO
Custody / deposits: NO
Clearing / settlement: NO
Provides regulated financial services: NO

No real financial asset is moved. No real e-CNY, RMB, bank deposit, stablecoin, token, or other financial asset is issued, accepted, held, custodied, exchanged, transferred, topped up, redeemed, frozen, cleared, settled, or otherwise moved by this website.

The demonstrator does not claim to reproduce, implement, validate, certify, or represent the official e-CNY protocol, wallet architecture, operating rules, technical architecture, or regulatory framework.

e-rmb.com · AGENTIC PAYMENT · EXECUTION TRUST · SIMULATION

An AI Agent Can Initiate a Payment. Who Authorized This Exact Payment Effect?

A bounded financial execution-context demonstrator for examining whether identity, live context, policy and exact-effect authority still hold at the point of simulated commitment.
Simulation only. No real e-CNY, RMB, bank deposit, stablecoin or other financial asset is transferred. This is not an official e-CNY wallet or payment service, has no production e-CNY or FPS connection, and is not affiliated with or endorsed by PBoC, the Digital Currency Institute, HKMA, or any e-CNY operating institution.

Execution-Trust Scope in This Financial Simulation

Applicable control surfaces: SPIP · ACAVP · TPOL · S2F.

PACT: part of the wider portfolio, but not exercised here as a physical-feasibility control.

A valid instruction, authenticated identity or earlier authorization does not by itself authorize a materially changed payment effect at commitment time.

This demonstrator does not implement, certify or claim equivalence to Google AP2, Visa Trusted Agent Protocol, Mastercard Verifiable Intent, any official e-CNY protocol, or any payment-network production system.

Explore the technology, IP and commercial context at DrKu.io →

Payment Scenario

Effect PAYMENT_EFFECT_01
Amount CNY 100.00
Payer DEMO_PAYER_01
Payee DEMO_MERCHANT_01
Purpose DEMO_PURCHASE_01
Instruction ≠ current authority ≠ permission to commit.
The demonstrator evaluates the exact effect immediately before simulated commitment.

Decision

Select a scenario and evaluate the payment effect. The result will show the decision, reason code and verification path.

SIMULATED RESULT — NO FUNDS MOVED

Governance decision labels: PROCEED / REVIEW / HOLD / BLOCK. Simulated execution-state labels: EXECUTED / NOT_EXECUTED. Governance decision and simulated execution state are distinct. These labels do not represent or create an actual payment, transfer, settlement, legal mandate, regulatory authorization, compliance determination, audit opinion, certification, or legally binding financial effect.

All demonstrations remain simulation=true, real_money=false, and official_ecny_connection=false.