Core Insights - The digital RMB is entering its 2.0 era with the implementation of a new measurement framework and management system starting January 1, 2026, indicating a significant evolution in its application and infrastructure [1][4] - Jiangsu Province has emerged as a leading region in the promotion of digital RMB, achieving a cumulative transaction volume of 15 trillion yuan by the end of 2025, with consumer spending amounting to 176.9 billion yuan, both figures being the highest in the country [1][2] - The digital RMB's application scenarios are diversifying, covering various fields such as personal consumption, public transportation, cross-border applications, and corporate services [2][3] Summary by Categories Digital RMB Development - Jiangsu Province has set a benchmark for digital RMB applications, with over 78.05 million digital wallets opened and 4.04 million merchants accepting digital RMB, showcasing a robust ecosystem [1][2] - The province has also launched over 100 innovative application scenarios, enhancing the digital RMB's role from a payment tool to a digital infrastructure for urban operations [2][3] Cross-Border Applications - Jiangsu's multilateral central bank digital currency bridge project has achieved full coverage across 13 cities, facilitating cross-border transactions totaling 23.7 billion yuan by the end of 2025 [1][3] - The digital RMB is expected to play a crucial role in addressing pain points in cross-border payments, enhancing efficiency and monitoring capabilities [3][4] Future Prospects - The digital RMB is anticipated to see rapid growth in areas with existing challenges in traditional payment systems, particularly in cross-border trade scenarios [4] - The introduction of interest-bearing features for digital RMB wallets managed by commercial banks is expected to enhance their attractiveness and promote wider adoption [4]

Core Insights - The article discusses the advancements in the Xingchen Intelligent Body platform, which has upgraded its multimodal hyper-human interaction technology to enhance digital human interactions, making them more emotionally engaging and human-like [1][5]. Group 1: Technology Advancements - The new multimodal hyper-human interaction technology integrates voice, facial expressions, and environmental cues, allowing for seamless interaction even in noisy environments [1][2]. - Voice synthesis has improved significantly, offering more natural emotional expression and faster responses, enabling a more genuine connection with users [2]. - The creation of digital human avatars has been simplified, requiring only a single photo to generate a personalized digital persona, which can accurately match text intent with expressions and movements [2][4]. Group 2: Practical Applications - Businesses can create unique digital representatives quickly and cost-effectively, enhancing brand image and reducing operational costs in customer service and business development [4]. - For individuals, these digital humans can provide engaging experiences in various settings, such as guiding tourists with emotional storytelling or assisting in complex processes with patience [4]. - The presence of these emotionally intelligent digital humans is becoming more common in daily life, enhancing experiences in corporate environments, cultural tourism, education, and healthcare [4][5]. Group 3: Future Implications - The ultimate goal of these technological advancements is to improve quality of life by making interactions more human-like and accessible, leading to more efficient and warm experiences [5]. - Continuous technological iterations are expected to introduce even more emotionally intelligent digital humans into various scenarios, enriching every interaction [5].

浙文互联（600986）(600986.SH)发布公告，公司股票于2026年1月23日、1月26日连续两个交易日内日 收盘价格涨幅偏离值累计超过20%。根据《上海证券交易所交易规则》的有关规定，属于股票交易异常 波动情形。公司旗下"派智"数字人业务产生的收入和利润占公司营业收入和净利润的比例均不到1%， 占比较小，对公司经营业绩无重大影响。 ...

Group 1 - The core point of the article is that Zhejiang Wen Internet (600986.SH) announced that its stock price experienced an abnormal fluctuation, with a cumulative increase of over 20% in closing prices on January 23 and January 26, 2026 [1] - The company's digital human business, "Paizhi," contributes less than 1% to both the company's total revenue and net profit, indicating a minimal impact on overall business performance [1]

每经AI快讯，1月26日，浙文互联（600986）发布股票交易异常波动公告，1月5日至1月26日，公司股 价累计涨幅达69.57%，公司主营业务未发生重大变化，股价短期内连续上涨，存在市场情绪过热、非 理性炒作风险，已明显高于同期行业及上证指数涨幅，且严重显著偏离公司基本面，随时存在快速下跌 风险。公司旗下"派智"数字人业务产生的收入和利润占公司营业收入和净利润的比例均不到1%，占比 较小，对公司经营业绩无重大影响。 ...

格隆汇1月26日｜浙文互联公告，公司股票于2026年1月23日、1月26日连续两个交易日内日收盘价格涨 幅偏离值累计超过20%。2026年1月5日至2026年1月26日，公司股价累计涨幅达69.57%，公司主营业务 未发生重大变化，股价短期内连续上涨，存在市场情绪过热、非理性炒作风险，已明显高于同期行业及 上证指数涨幅，且严重显著偏离公司基本面，随时存在快速下跌风险。2025年前三季度，公司实现营业 收入56.05亿元，实现归属于上市公司股东的净利润1.27亿元，同比下降19.68%，实现归属于上市公司 股东的扣除非经常性损益的净利润1869.48万元，同比下降78.62%。公司旗下"派智"数字人业务产生的 收入和利润占公司营业收入和净利润的比例均不到1%，占比较小，对公司经营业绩无重大影响。 ...

（来源：青岛金融） 从预付式消费场景的"拓维"到破解供应链中小企业支付难题，从海关关税代扣到企业跨境收付业务效率 提升，从公共交通到零售消费、餐饮文旅等日常支付的不断扩容……2025年，青岛数字人民币试点持 续"深一度"，基本形成高频场景全维度、主要场景广覆盖的应用格局，一幅智慧城市的"数币生活"图景 正徐徐展开。 来自人民银行青岛市分行的数据显示，截至2025年末，青岛接收数字人民币的商户达62万个，累计开立 个人钱包807万个，对公钱包191万个，累计交易233亿元。 为预付费"上锁" 通过数字人民币智能合约加强预付费管理，是数字人民币青岛试点的特色之一。 2025年，青岛不断深化数字人民币预付式消费场景建设，依托数字人民币智能合约技术优势，在数字人 民币预付式消费平台"智金卫士"推出年卡、季卡、月卡、次卡和储值卡服务，建立全线上化商户入驻流 程；在胶州市、黄岛区探索具有区域特色的数字人民币预付式消费监管模式，为公众提供安全可靠的预 付式消费选择。 深耕各类生态场景，赋能实体经济，也是数字人民币青岛试点的耀眼亮色。 2025年，青岛落地全国首笔数字人民币关税代扣业务，企业通过"中国国际贸易单一窗口"客户端 ...

Core Viewpoint - The article emphasizes the importance of rational investment and warns against the allure of "high returns," which often come with high risks and potential scams [1] Group 1: Investment Risks - High returns are often associated with hidden risks and can be part of well-crafted scams [1] - Many investors have lost money due to promises of guaranteed returns, such as "no risk" or "monthly returns of 10%" [1] Group 2: Investor Education - The Zhejiang Investor Education Base promotes the idea that communication creates value, focusing on interactive investor relations [1] - The organization explores the "Internet + Investor Education" model, combining online and offline methods to make investor education services more accessible [1]

Core Insights - The digital RMB has been gradually introduced since 2019, with significant milestones including the launch of the digital RMB app in 2022 and the establishment of 225 million personal wallets by September 2025, facilitating transactions totaling 14.2 trillion yuan [1][4] - Starting in 2026, the digital RMB will undergo a major transformation, with the implementation of a new management and operational framework, marking a significant shift towards widespread adoption and usage [4] - The digital RMB will be integrated into deposit insurance, allowing users to earn interest on their digital currency deposits and providing enhanced security and convenience in transactions [7][9] Digital RMB Features - Users can access digital RMB without internet connectivity, similar to cash, and can transfer funds between their digital RMB accounts and traditional bank accounts [7][9] - The digital RMB will support both hard wallets and soft wallets, with the latter being accessible through various applications, enhancing user flexibility [9] - Enhanced cross-border payment capabilities will be introduced, making international transactions easier and faster for individuals and businesses engaged in trade [10] Future Implications - The digital RMB is expected to become the predominant form of currency, reducing the reliance on physical cash and transforming the monetary landscape [4] - The integration of digital RMB into the banking system will allow for various financial activities, including savings, investments, and payments, streamlining the user experience [10]

据悉，我国数字人相关企业已超114万家。有测算显示，2025年我国数字人产业规模突破400亿元，带动 周边产业规模超6000亿元。 本次拟制定的标准可以实现问题数字人信息的快速追溯，有利于行业监管；可以精准定位违法违规责任 主体，降低欺诈风险；可以建立统一的数字人身份标识认证体系，推动产业向规范化、集群化、精细化 发展。 基于此标准，境内所有用于商业和传播用途的数字人将实现"一人一码"，将有助于减少和防范数字人相 关安全风险，推动数字人产业健康有序发展，维护数字人企业合法权益，营造风清气正的网络环境。 工业和信息化部23日发布通知，将公开征求《元宇宙 分类与标识 数字人身份标识要求》强制性国家标 准制修订计划项目意见。本次拟制定的标准将规定数字人身份标识的标识体系及注册、管理、标识要 求。 近年来，我国数字人产业发展迅速，数字人已广泛用于表演主持、电商直播、品牌营销、客户服务、教 育培训等领域。然而，由于缺乏有效的数字人身份标识管理机制，不法分子通过盗用或仿冒他人数字人 形象，制作、发布和传播违法不良信息，诋毁和贬损他人名誉；部分数字人缺少内容过滤机制和安全护 栏，生成与事实不符的内容。 ...