Research on Smart Contract Scheme of Digital RMB in Prepaid Consumption

With the rapid development of prepaid consumption, the problem of prepaid funds being occupied by individual merchants is increasingly prominent. In order to effectively solve this risk, this paper explores the innovative combination of digital RMB and smart contract technology. The article first elaborates the theoretical basis of smart contracts and digital currencies, and then proposes smart contract design schemes for prepaid consumption scenarios such as supply chain settlement and distribution refund, including using Solidity language to write code, setting payment trigger conditions, etc. In the deployment execution process, the article clarifies specific steps such as compilation, release, and user access to achieve automatic supervision and payment of funds. Although smart contracts still face privacy and security issues, the combination of digital RMB and smart contracts provides an innovative solution for the prepaid consumption field through continuous optimization of technical solutions and improvement of regulations, which is of great practical significance.