The invention provides a
digital currency exchange method, a
digital currency payment method and
digital currency systems, and aims at enhancing the operation experience of digital currency users and carrying out
online payment flexibly and conveniently. The digital currency exchange method comprises the following steps of: selecting a to-be-exchanged digital currency with an amount appointed by a change exchange instruction by a user terminal according to the change exchange instruction, and sending a first request to a commercial
bank digital currency
system; exchanging the to-be-exchanged digital currency into a change digital currency by the commercial
bank digital currency
system according to the first request, and sending a second request to a central
bank digital currency
system; executing an operation of a preset project by the central bank digital currency system according to the second request, and returning an operation success instruction to the commercial bank digital currency system; and sending the change digital currency to the user terminal by the commercial bank digital currency. Moreover, the invention discloses a method for carrying out
payment by using the exchanged digital currency.