Core Viewpoint - The digital renminbi is transitioning from a "digital cash era" to a "digital deposit currency era" starting January 1, 2026, allowing interest to be paid on user balances in real-name wallets [1] Group 1: Digital Renminbi Features - From January 1, 2026, the balance in real-name digital renminbi wallets will earn interest based on the current deposit rate [1] - Users can view interest details by accessing the wallet asset page after the quarterly interest settlement date [1] Group 2: App and Interface Updates - The digital renminbi App has been upgraded to version 2.0, featuring an optimized wallet interface design [1] - Different traditional floral designs, such as peony, plum blossom, lotus, and orchid, are used as main visual elements for the wallet interface of ten different operating institutions [1] Group 3: Regulatory Framework - The People's Bank of China has introduced an action plan to strengthen the management and service system for digital renminbi, with a new measurement framework and operational mechanisms set to launch on January 1, 2026 [1] - Banks will be responsible for paying interest on the balances of customers' real-name digital renminbi wallets, indicating a shift from cash in circulation to deposit-like functionality [1]

Core Viewpoint - The People's Bank of China has introduced an action plan to enhance the management and service system of digital RMB, marking a transition from cash-based version 1.0 to deposit currency version 2.0, effective January 1, 2026 [1][2] Group 1: Upgrades in Digital RMB - Monetary attribute upgrade: Digital RMB evolves from a mere payment tool to an interest-bearing, manageable currency that can be integrated into the financial safety net, significantly surpassing traditional cash functions [1][2] - Account relationship upgrade: While retaining the wallet form, the legal and economic attributes of the real-name wallet approach that resembles a special form of bank deposits [1][2] - Regulatory logic upgrade: The 2.0 phase of digital RMB transitions from technical trials to a long-term, rule-based operational phase, with a more mature and standardized regulatory framework [1][2] Group 2: Financial Infrastructure and Implications - Financial infrastructure upgrade: The measurement framework, clearing logic, and risk isolation mechanisms of digital RMB are aligning with deposit-like financial infrastructure, enhancing the overall system [2] - Interest payment on digital RMB wallets: Banks can pay interest on real-name digital RMB wallet balances, adhering to self-discipline in deposit rate pricing, marking a significant shift in the legal and economic attributes of digital RMB [2][3] - Impact on residents: The introduction of interest payment rules expands the functionality of digital RMB beyond a "pocket money" payment tool, potentially serving as a short-term fund parking tool, influencing users' fund allocation habits [2][3] Group 3: Regulatory Maturity - Maturity of regulatory thinking: The design of a controllable "deposit-like" development path through real-name management, interest rate self-discipline, and clear bank management responsibilities reflects a prudent monetary governance approach [3]

Core Viewpoint - The digital renminbi has transitioned from the "digital cash era" to the "digital deposit currency era" with the launch of the upgraded digital renminbi App version 2.0 [1] Group 1: Digital Renminbi Features - Starting from January 1, 2026, the balance in the real-name digital renminbi wallets will earn interest based on the current deposit rate [1] - Users can view interest details by accessing the wallet asset page after the quarterly interest settlement date [1] Group 2: App Upgrade Details - The wallet interface has been redesigned with different traditional floral elements as the main visual for various digital renminbi business operators [1] - Version 2.0 introduces a wallet skin setting feature, launching four thematic series: Seasons, Famous Paintings, National Style, and Life, offering a total of 16 skins to choose from [1]

Core Viewpoint - The introduction of interest-bearing digital RMB wallets by six major state-owned banks marks a significant transition from a cash-like version to a deposit currency version, enhancing the functionality of digital RMB and aligning with the People's Bank of China's action plan for digital currency management [5][9]. Policy Core: Real-name Interest Calculation and Security Boundaries - The interest-bearing policy applies to personal and corporate real-name wallets, with interest calculated at a rate of 0.05% per annum, similar to current savings accounts, with quarterly interest payments [6]. - Non-real-name wallets, which only require mobile number verification, are excluded from interest calculations, emphasizing the importance of real-name systems for financial security [6]. Promotion Foundation: Scale and Scenarios - As of November 2025, digital RMB has processed 3.48 billion transactions totaling 16.7 trillion yuan, with 230 million personal wallets and 1.884 million corporate wallets established, indicating a growing user base [7]. - The application scenarios for digital RMB span various sectors, including retail, dining, education, and cross-border payments, showcasing its potential for widespread adoption [7]. Supporting Upgrades: App 2.0 Enhancing User Experience - The digital RMB App has been upgraded to version 2.0, addressing user needs for interest tracking and enhancing interface design with personalized themes, thereby improving user engagement [8]. In-depth Interpretation: Win-Win Institutional Innovation - The core significance of the interest-bearing policy lies in the transformation of digital RMB's legal status from a central bank liability to a commercial bank liability, creating a mutually beneficial incentive mechanism for users and banks [9]. - This initiative positions China as a leader in the global exploration of central bank digital currencies, reinforcing financial security through innovative regulatory measures [9].

Group 1 - The six major state-owned banks in China will start paying interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, effective January 1, 2026 [1][3] - The current interest rate for current deposits is set at 0.05%, and only real-name wallets (categories one, two, and three) will earn interest, while anonymous wallets (category four) will not [1][3] - The People's Bank of China has introduced a new action plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026 [3] Group 2 - The action plan allows banks to manage the assets and liabilities of digital RMB wallet balances independently, while ensuring the same level of security as traditional deposits through deposit insurance [3]

Core Viewpoint - The implementation of interest-bearing digital RMB wallets by six major state-owned banks in China marks the transition of digital RMB from "digital cash" to "digital deposit currency" starting January 1, 2026 [1][2]. Group 1: Digital RMB Wallet Policy - The six major banks will apply interest on personal and corporate wallets (categories 1, 2, and 3) at the current rate of 0.05%, aligning with regular savings account interest rates, while category 4 wallets will not earn interest due to their non-real-name status [2]. - This policy is part of the People's Bank of China's initiative to enhance the management and service system for digital RMB, establishing a new ecosystem for its measurement, management, and operation [2]. Group 2: Digital RMB Usage and Adoption - As of November 2025, digital RMB has processed 3.48 billion transactions with a total transaction value of 16.7 trillion yuan, indicating significant adoption [3]. - The digital RMB app has facilitated the opening of 230 million personal wallets and 18.84 million corporate wallets, with cross-border payment transactions amounting to 387.2 billion yuan, where digital RMB accounts for approximately 95.3% of the total [3]. Group 3: Wallet Opening Process - Users can open digital RMB wallets through various banks, including six major state-owned banks and several joint-stock banks, with pilot programs expanded to multiple provinces and municipalities [6]. - The wallet opening process involves downloading the official app, completing real-name authentication, selecting wallet types, and optionally binding a bank card for transactions [7][9][10].

钱包界面更新 花卉主题纹样：各数字人民币业务运营机构（以下简称"运营机构"）的钱包界面采用不同传统花卉作为主视觉元素，如牡丹、梅花、荷花、兰花 等。10 种花卉图案，分别用于 10 家运营机构的钱包界面中。 传统纹样背景：界面背景中融合凤鸟纹、羊角纹、八角纹等中国传统装饰纹样。 模拟变色效果：纹样内嵌数字人民币英文标识"e-CNY"；通过晃动手机，可见花卉图案上的动态光泽效果。 IT之家 1 月 2 日消息，据数字人民币运营管理中心微信公众号，新年伊始，数字人民币正式从"数字现金时代"迈入"数字存款货币时代"。作为数字人民币 体系的重要载体，数字人民币 App也焕新升级，迎来 2.0 版本。 自 2022 年 1 月在应用市场公开上架以来，数字人民币 App 以提升用户体验为核心持续迭代。从版本 1.0.0 到版本 2.0.0，共历经 54 次迭代更新。 IT之家附主要变化如下：实名钱包余额开始计息 自 2026 年 1 月 1 日起，数字人民币实名钱包余额将按照活期存款挂牌利率计付利息。 每季度末结息日之后，用户点击首页的钱包资产区域，进入钱包资产页，即可查看结息详情。 小贴士：实名钱包是指完成身份认证的数 ...

自2022年1月在应用市场公开上架以来，数字人民币App以提升用户体验为核心持续迭代。从版本1.0.0 到版本2.0.0，共历经54次迭代更新。 据数字人民币运营管理中心微信公众号1月2日消息，新年伊始，数字人民币正式从"数字现金时代"迈 入"数字存款货币时代"。作为数字人民币体系的重要载体，数字人民币App也焕新升级，迎来2.0版本。 ...

Core Viewpoint - The digital renminbi has transitioned from the digital cash era to the digital deposit money era, with the launch of the upgraded version 2.0 of the digital renminbi app, enhancing user experience and introducing new features [1]. Group 1: Key Features of the Upgrade - The digital renminbi app has undergone 54 iterations since its initial launch in January 2022, focusing on improving user experience [1]. - Starting from January 1, 2026, the balance in the real-name wallet will begin to accrue interest at the rate of current deposit rates, with users able to check interest details in the app [1]. - The wallet interface has been redesigned with different traditional floral elements representing various operating institutions, showcasing a unified yet distinctive style [2]. Group 2: Personalization and User Engagement - The new version includes a personalized wallet skin feature, offering four thematic series with a total of 16 skins for users to choose from, enhancing user engagement [3].

Group 1 - The core viewpoint of the articles emphasizes the importance of strengthening digital talent development in China through specific measures and policies to address the current shortage of digital professionals [1][2] - The Chinese government has introduced several policies since 2024, such as the "2024 Key Points for Enhancing National Digital Literacy and Skills" and the "Action Plan for Accelerating Digital Talent Cultivation to Support Digital Economy Development," to improve digital talent structure and support [1] - Local initiatives, such as the construction of Beijing Zhongguancun Academy and the "Artificial Intelligence +" and "Data Elements ×" actions, are aimed at cultivating high-level composite digital talents [1] Group 2 - The development of digital talent requires a comprehensive planning approach that considers regional characteristics, digital resource foundations, and industry development features [2] - Effective implementation of digital talent policies is crucial, necessitating vertical coordination among various policy modules and thorough evaluation of policy execution [2] - Expanding the applicable scenarios for digital talent and fostering international cooperation are essential for creating a conducive ecosystem for digital talent supply and demand [2]