The invention relates to the technical field of 
blockchain finance, in particular to an efficient 
digital asset transaction method based on an account model. Aiming at an existing AFCoin technology framework, a 
blockchain forest and endorsement node 
selection method is introduced, a 
receipt processing process is integrated, complete implementation steps of the framework are given, and the framework is applied to the field of 
digital asset transaction, so an efficient 
digital asset transaction method based on an account model is obtained. Under a 
semantic framework of AFCoin, the 
blockchain forest is a plurality of blockchain structures maintained by a central 
bank, and different commercial banks have different blockchains, but are published by the central 
bank in a unified manner; the endorsement node 
selection method ensures that a commercial 
bank cannot select a specific commercial bank responsible for endorsement, and prevents 
cheating between commercial banks. When a central bank is used as an issuer of digital assets, a commercial bank is used as a seller of the digital assets, and a user is used as a holder of the digital assets, an efficient digital asset transaction methodcan be obtained.