From kitchen utensils to fresh vegetables, Shanghai resident Sun Xuhong shops online because there is a much better selection of imported brands than those found in bricks-and-mortar retailers.

The range of choices, coupled with seamless connection to mobile payment apps like WeChat Pay and Alipay, is why she has little interest in partaking in China’s sovereign digital currency trials, which have so far been confined to a limited number of retailers and select e-commerce sites.

“I opened an…



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