Group 1 - The six major state-owned banks in China will start paying interest on the balances in customers' real-name digital RMB wallets at the same rate as current deposit rates, which is currently set at 0.05% [2][4] - Digital RMB, issued by the People's Bank of China, is a legal digital currency that can be used in various scenarios such as transportation, dining, shopping, and utility payments [4] - The pilot program for digital RMB has expanded from select cities to entire provinces, including major municipalities and several provinces like Guangdong, Jiangsu, and Zhejiang [4] Group 2 - The People's Bank of China has introduced an action plan to enhance the management and service system for digital RMB, effective from January 1, 2026, which includes interest payments on wallet balances and inclusion in deposit insurance [4] - Digital RMB wallets are categorized into four types based on the level of identity verification, with varying limits on account balances; the first three types are real-name wallets, while the fourth type is an anonymous wallet [5][6] - Currently, ten commercial banks are authorized to open digital RMB wallets, including the six major state-owned banks and four other banks [7]

Core Insights - The People's Bank of China has announced that starting January 1, 2026, interest will be paid on the balances of real-name digital RMB wallets at the current demand deposit rate of 0.05% [2][3] - Digital RMB wallets are categorized into four types, with only the first three types (real-name wallets) eligible for interest payments, while the fourth type (anonymous wallets) will not earn interest [2] - The digital RMB management service system and related financial infrastructure will officially launch on January 1, 2026, with banks required to comply with self-regulatory agreements on deposit interest rates [3] Group 1 - The current demand deposit rate is set at 0.05% [2] - Six major state-owned banks will implement interest payments on digital RMB real-name wallet balances according to the demand deposit rate [2] - The designated operating institutions for digital RMB currently include 10 banks, comprising six state-owned commercial banks, two joint-stock commercial banks, and two internet banks [2] Group 2 - The new digital RMB management framework will include a measurement framework, management system, operational mechanism, and ecosystem [3] - Banks will be allowed to conduct asset-liability management for digital RMB wallet balances, with deposit insurance providing the same level of security as traditional deposits [4]

Core Viewpoint - The company has developed the Xiamen Digital Trade Platform, which integrates financial technology services, cross-border payment settlement, and global supply chain management to address long-standing issues faced by cross-border trade enterprises [1] Group 1 - The platform effectively resolves challenges such as difficulties in account opening, high transaction fees, and significant exchange losses for cross-border trade companies [1] - A two-way connectivity mechanism has been successfully established between the domestic end and the international end in Singapore, providing an efficient and convenient digital channel for China-Singapore trade [1]

Group 1 - The core point of the article is that from January 1, 2026, Bank of China will start paying interest on the balances of real-name digital RMB wallets at the same rate as its current deposit rates [1] - The interest calculation rules will be consistent with those of current deposits [1]

格隆汇12月31日丨新开普(300248.SZ)在投资者互动平台表示，近年来，公司创新基于数字人民币的智 慧校园解决方案，推动数字人民币在校园场景的落地。目前公司已为国内50余所院校、企业建设了数字 人民币项目，并与中国人民银行数字货币研究所、六大行、三大运营商建立了长期稳定的合作关系。 2022年1月，新开普"完美校园"APP和中国银行合作实现了数字人民币子钱包交易能力，成为全国前50 名、教育行业首家接入数字人民币APP的子钱包应用。2022年9月26日，公司与中国银行合作高校数字 人民币校园卡"硬钱包"项目在苏州工业职业技术学院全国首发落地，进一步拓展了数字人民币应用新渠 道、新载体、新场景，进一步实现了一卡多用功能，为校园小额高频消费提供了更安全、便捷、稳定、 高效的数字人民币应用保障。同时，荣获"中国银行苏州分行数字人民币生态建设合作伙伴"称号。未 来，新开普将结合现有业务场景，持续加大自主研发力度，完善数字人民币在教育、公交、企业、电 力、燃气、水利等行业的各项应用功能，同时，积极开拓新型应用场景，丰富多种支付方式，加快数字 人民币在各场景的落地，助力中国数字经济快速发展。 ...

数字人民币将正式告别"无息时代"。 2025年12月31日，工商银行、农业银行、交通银行公告，自2026年1月1日起，为数字人民币实名钱包余 额按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。 工商银行关于数字人民 币计付利息的公告 图/银行官网 农业银行关于数字人民 币计付利息的公告 图/银行官网 交通银行关于数字人民 币计付利息的公告 图/银行官网 交通银行公告亦表示，客户开立在交行的数字人民币实名钱包（包含一类、二类、三类个人钱包和单位 钱包）余额，按照交行公布的活期存款挂牌利率计付利息。如客户开立的数字人民币钱包为四类个人钱 包，则钱包内的余额不计付利息。 此次利息计付政策的落地，源于中国人民银行近期出台的《关于进一步加强数字人民币管理服务体系和 相关金融基础设施建设的行动方案》（以下简称《行动方案》）。中国人民银行党委委员、副行长陆磊 在2025年12月29日公开发文表示，经过十年研发试点，数字人民币将从"数字现金时代"迈入"数字存款 货币"时代。《行动方案》将于2026年1月1日起正式实施，届时新一代数字人民币的计量框架、管理体 系、运行机制与生态体系将同步落地，其中重要的亮点就是，数字人 ...

Core Viewpoint - The digital renminbi will officially end its "interest-free era" as of January 1, 2026, with major banks announcing that interest will be paid on the balances of real-name digital renminbi wallets based on the current deposit rates [1][6][10]. Group 1: Interest Payment Policy - Starting January 1, 2026, the balance in real-name digital renminbi wallets will earn interest according to the People's Bank of China's current deposit interest rate [6][7]. - The interest calculation will follow the same rules as regular savings accounts, with interest credited on the 21st of each quarter [6][10]. - Balances in anonymous wallets will not earn interest, maintaining a distinction between different wallet types [6][10]. Group 2: Transition to Digital Deposit Currency - The implementation of the interest payment policy marks the transition from "digital cash" to "digital deposit currency," indicating a significant evolution in the digital renminbi's role [7][10]. - The digital renminbi will now be considered a liability of commercial banks, allowing it to earn interest and be subject to deposit insurance, similar to traditional bank deposits [10]. - This change enhances the monetary elasticity of the digital renminbi, enabling it to support credit activities and deposit expansion mechanisms [10]. Group 3: Background and Development - The policy change is part of a broader initiative by the People's Bank of China to strengthen the management and service system for digital renminbi [7]. - The digital renminbi has been in development for over ten years, expanding its pilot programs from select cities to entire provinces [8]. - As of November 2025, the digital renminbi has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, indicating significant adoption and usage [9].

公司在数字人民币硬件安全领域拥有成熟技术储备，与京东开展多项相关合作项目，在跨境支付技术领 域具备长期积累。 声明：本内容由AI生成，数据资料来自于交易所及第三方公开信息，仅供参考，不构成投资建议。 来源：市场资讯 交易所数据显示，御银股份已连续3个交易日涨停，截至13时23分涨幅为10.06%，最新价9.41元，总市 值71.63亿元，封板资金6.86亿元，成交额33.93亿元，换手率56.23%。 市场炒作御银股份的核心在于其数字货币相关业务布局，公司拥有数字人民币ATM模块技术储备，是 国内支持港澳离岸稳定币双向兑换的设备供应商，为京东稳定币提供硬件加密方案，接入香港金管局沙 盒测试，覆盖机场等跨境场景，同时与京东合作的中东数字清关平台进入试运行阶段。 消息面上，中国人民银行称，从2026年1月1日起，数字人民币钱包余额将按照活期存款计付利息，中国 将成为首个为央行数字货币计息的经济体。工商银行、农业银行、建设银行公告，自2026年1月1日起， 为数字人民币实名钱包余额按照活期存款挂牌利率计付利息，计结息规则与活期存款一致。央行副行长 陆磊表示，新一代数字人民币计量框架、管理体系、运行机制和生态体系将于 ...

Group 1 - The core point of the article is that from January 1, 2026, Bank of Communications will pay interest on the balances of digital RMB wallets opened by customers, based on the bank's announced current deposit rates [1] - Digital RMB interest payment marks the transition from cash-type version 1.0 to deposit currency-type version 2.0 [1] - The People's Bank of China has issued an action plan to strengthen the management and service system of digital RMB, indicating a shift from the digital cash era to the digital deposit currency era [1]

Group 1 - The core announcement is that starting from January 1, 2026, major Chinese banks including Agricultural Bank of China, Postal Savings Bank, and others will pay interest on digital RMB wallet balances according to the same rates as regular demand deposits [1][4][8] - The interest calculation rules for digital RMB wallets will align with those of demand deposits, indicating a significant shift in how digital currency is treated [1][8] - This transition marks the evolution of digital RMB from a "digital cash era" to a "digital deposit currency era," following a decade of research and pilot programs [8] Group 2 - The People's Bank of China has introduced a plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026 [8] - The new framework will include a measurement system, management structure, operational mechanism, and ecosystem for digital RMB [8]