问题如下：
which of the following statement about E-money is incorrect?
选项：
A.it is a debt-like instrument
B.
Its single most important innovation
relative to cryptocurrencies is to issue
claims that can be redeemed in currency at face value upon demand
C.
it is thus an equity-like instrument. E-money entails a claim on assets, typically a commodity such as gold or shares of a portfolio.
D.Transfers can be centralized including Alipay and WeChat Pay in China
解释：
C is correct.
选项C错误，选项C描述的情况为i-money，将C改为正确的表述为：
I-money is an equity-like instrument. I-money entails a claim
on assets, typically a commodity such as gold or shares
of a portfolio.
Debt-like instrument这句话怎么理解呢
