What is the E- Money ? Electronic money. also known as e-money and digital money. Is a currency that is available only in digital form. Unlike banknotes, coins or actual money. E -money is stored digitally. Forms of E - Money E-money Payment Networks. A payment network can be centralized or decentralized. Hard Electronic Currency. Hard electronic currency is used for non-reversible transactions, such as those drawn through a bank. Soft Electronic Currency. E-money Delivery Systems. Identified and Unidentified E-Money. Different Between Money or E-Money. The main difference between e-money and virtual currencies is that e-money does not change the value of the fiat currency (euro, dollar, etc), but virtual currency is not equivalent to any fiat currency. In other words, all digital currency is electronic money, but e-money is not necessarily digi...