e-CNY realizes programmability by loading smart contracts without affecting currency functions, and is able to carry out automatic payment transactions according to the rules agreed by both parties, promoting business model innovation. Digitally disseminating, verifying, and executing contracts, the computerized protocol allows trusted transactions that are traceable and irreversible without third parties.

Smart contracts have the advantages of transparency, credibility, automatic execution, and mandatory fulfillment. When combined with central bank digital currency, smart contracts can be applied to business scenarios such as conditional payment and scheduled payment, which is conducive to the exertion of currency intelligence.

Kunpay can provide users with rich smart contract scenario services such as smart contract acceptance and management. Relying on the smart contract technology "KPDTS inside-Prometheus", Kunpay focuses on the development of financial service scenarios empowered by the construction of smart contracts and digital currency wallet systems.

Specifically, in terms of implementation, smart contracts are divided into atomic level and business level, referred to as atomic contracts and commercial contracts:

Atomic contract is the part of the smart contract that provides processing services for e-CNY. After the central bank reviews and signs, it is deployed in various operating institutions through the interconnection platform.

Commercial contract is used to accommodate business logic and construct various parameters required for the execution of atomic contracts.