Core Insights - The People's Bank of China (PBOC) in Yangzhou has facilitated a significant cross-border payment using the multi-currency central bank digital currency (CBDC) bridge, marking a payment of 25 million yuan, which is the largest single transaction of its kind in Yangzhou [1] - The multi-currency CBDC bridge significantly reduces payment processing time from 5-6 hours to approximately 40 minutes, enhancing efficiency in international procurement and production planning [1] - Jiangsu province has actively promoted the adoption of digital yuan, integrating it into over 100 innovative scenarios and technical products across various sectors, including public services and transportation [1][2] Group 1 - The multi-currency CBDC bridge has processed a cumulative transaction amount exceeding 18 billion yuan across 13 cities in Jiangsu, showcasing its effectiveness in cross-border payments [1] - Digital yuan payment has been implemented in various public services, with over 80% coverage in key areas such as public transportation and utility payments [1] - Jiangsu's digital yuan initiatives are part of a broader strategy to enhance consumption, promote high-level openness, and support the development of a digital economy [2] Group 2 - Specific regions like Huai'an and Xuzhou have tailored digital yuan service packages for over 300 specialized and technology-driven enterprises, achieving a transaction volume of 1.5 billion yuan [2] - Jiangsu has launched over 4,400 prepaid consumer products, generating transaction amounts exceeding 20 million yuan, indicating a shift towards large-scale applications of smart contracts [2] - By the end of November 2025, Jiangsu is projected to have a digital yuan transaction volume exceeding 5 trillion yuan, with a 90% year-on-year growth, leading the nation in cumulative transaction and consumption amounts [2]

Core Insights - In 2025, AI digital humans have transitioned from concept to mainstream, becoming essential tools for content creators, marketers, and cross-border merchants [1] - The article emphasizes the importance of selecting the right digital tools to meet specific needs, highlighting the advantages of Bihuo AI Digital Human as a preferred choice for many users [1] Market Status and Selection Pain Points - Users face three main pain points when selecting digital tools: high production costs, high technical barriers, and low production efficiency [2] - An effective digital tool should address these challenges to enhance user experience and productivity [2] Bihuo AI Digital Human: Comprehensive AI Creation Solution - Bihuo AI Digital Human is a revolutionary all-in-one AI creation solution aimed at redefining digital content creation [4] - Its core advantages include seamless integration of digital human cloning, AI copywriting, and intelligent editing, enabling a "one-stop production" experience [4] Core Technical Advantages - Bihuo AI leverages four proprietary AI engine technologies, excelling in key performance indicators [5] - The production process is simplified to three steps, significantly reducing the time required for digital human creation from days or weeks to just minutes, making it accessible for non-professionals [5][8] Comparison of Mainstream Digital Tools in 2025 - Bihuo AI Digital Human stands out as a comprehensive performance leader, balancing cost-effectiveness, functionality, and ease of use [5] - Other tools like Fengping AI, Chanjing, Shanjian, and Zhengnuo Kexinda offer various features but do not match the overall efficiency and integration of Bihuo AI [9][10] Application Scenarios of Digital Tools - For individual creators, Bihuo AI Digital Human provides a user-friendly entry point, allowing professional-level video production with just a smartphone [11] - Its support for 40 languages makes it ideal for cross-border e-commerce, simplifying the process of generating multilingual content [12] - For enterprise users, Bihuo AI offers solutions for unified brand communication, product visualization, and standardized employee training, facilitating large-scale content production [13] Future Outlook - Bihuo AI commits to quarterly major updates and continuous optimization based on user feedback, ensuring users benefit from the latest AI advancements [13] - The implementation of national standards for virtual digital humans will further standardize the industry, providing more reliable service guarantees [14] Conclusion - Bihuo AI Digital Human is positioned as the preferred choice in the 2025 digital tools market due to its comprehensive solutions, ease of use, and excellent cost-performance ratio [15] - The selection of digital tools should align with actual needs, and Bihuo AI offers the optimal solution in terms of performance, adaptability, and cost control [16]

Core Viewpoint - The People's Bank of China has expanded the digital yuan pilot program to 11 new cities, indicating a shift from regional testing to nationwide adoption, which will significantly transform payment methods and financial management for ordinary citizens [2][10]. Group 1: Technological Breakthroughs - The digital yuan (e-CNY) introduces a dual offline payment system, allowing transactions without internet access through NFC or SIM card wallets, addressing payment challenges in remote areas [2]. - Smart contracts enable programmable control of fund flows in scenarios like prepaid cards and supply chain finance, reducing risks for consumers [2]. - Cross-border payment innovations allow Hong Kong residents to link foreign bank cards to digital yuan wallets, achieving faster transactions and reducing costs by 60% [2]. Group 2: Revolution in Financial Management - Digital yuan penetration in daily consumption has reached 80% in high-frequency offline scenarios, enhancing convenience for users [3]. - Users can enjoy discounts on utility bills and direct reimbursements for medical expenses through digital yuan, improving public service efficiency [3]. - The introduction of smart deposit products with higher interest rates and carbon credit incentives promotes sustainable living [4]. Group 3: Restructuring the Financial System - The market shares of WeChat Pay and Alipay have decreased by 8% and 5% respectively, as the digital yuan app gains 1.2 million daily active users, creating a competitive landscape [5]. - The central bank can now directly issue targeted subsidies to specific groups, improving fund distribution efficiency by 70% [5]. - Enhanced anti-money laundering capabilities have intercepted over 32 million suspicious transactions, improving financial system transparency [6]. Group 4: Global Implications - The digital yuan's cross-border applications are reshaping international financial rules, allowing direct settlements in trade and reducing transaction costs significantly [7]. - Hong Kong's financial authority is promoting interoperability between the digital yuan and the Hong Kong dollar, potentially leading to the issuance of a digital Hong Kong dollar [7]. - The usage rate of digital yuan in cross-border payments has surged from 2.3% in 2023 to 18.7% in 2025, positioning it as the third-largest international payment currency [7]. Group 5: Future Challenges - A significant portion of older users (43%) find the digital yuan wallet complex, indicating a need for user-friendly adaptations [8]. - Balancing privacy and security remains a challenge, especially in light of phishing attacks resulting in substantial losses [8]. - Only 35% of third-party payment platforms currently support digital yuan, highlighting the need for broader ecosystem integration [8].

Group 1 - The core viewpoint of the article highlights that Desheng Technology (002908.SZ) is actively promoting its AI Traditional Chinese Medicine diagnostic device, which focuses on intelligent assisted diagnosis and automated interpretation of test reports by virtual digital humans [2] - The AI diagnostic device has been implemented in various provinces across China, including Guangdong, Anhui, and Guizhou, and is being utilized in diverse settings such as banks, communities, and pharmacies [2] - The company plans to increase efforts in promoting the deployment of this technology and encourages stakeholders to pay attention to its periodic reports for specific operational updates [2]

数字人直播的兴起与争议 深夜两点的带货直播间里，主播保持着恒定的精神状态与标准化表情讲解产品——这种'完美主播'现象正随着数字人直播的普及进入大众视野。从去年开 始，该技术以前所未有的速度渗透至商业领域：头部主播通过高仿真数字分身实现'24小时不下播'，中小商家则批量部署低成本数字人以获取竞争优势，科 幻场景已转化为商业现实。 技术层面，多模态交互与实时内容生成技术的成熟使数字人突破了早期静态展示阶段，当前方案可实现接近真人的语音对话，延迟低至用户难以察觉机器身 份。但行业始终存在核心矛盾：数字人直播究竟预示着真人主播的淘汰，还是人机协作直播时代的开启。 数字人直播的普及呈现明显分层特征：头部玩家追求高仿真度的个性化分身，中小企业侧重成本可控的标准化解决方案，这种技术应用差异折射出直播行业 的竞争格局演变。 其本质是人工智能技术的又一次'破圈'实践，在提升商业效率的同时，也引发了关于职业形态变革与人机协作边界的深层讨论。 数字人形象生成技术经历了从早期粗糙2D卡通、僵硬3D模型到高保真3D形象的显著演进。当前技术可基于单张照片，通过相关三维重建技术快速生成精细 数字形象，结合面部表情捕捉与骨骼绑定技术，使数字 ...

Core Viewpoint - The company is actively exploring opportunities in cross-border payment functionalities related to digital RMB, while acknowledging that the development of new features will require time and resources [1] Group 1: Company Initiatives - The company has been closely monitoring policies and innovative business scenarios related to digital RMB cross-border payments [1] - The company is enhancing its cross-border payment brand PayKKa through increased resource investment, product development, and banking channel construction [1] - The company is optimizing B2B and B2C cross-border payment capabilities and expanding local account coverage in key regions including the US, Canada, UK, EU, Australia, Singapore, Hong Kong, Indonesia, Philippines, Thailand, and Vietnam [1] Group 2: Product Development and Achievements - PayKKa has successfully facilitated payments for clients on major e-commerce platforms such as Amazon, Etsy, Lazada, Shopee, and TikTok [1] - The company has launched a global acquiring product for independent sites and is strengthening partnerships with acquiring banks and institutions to expand support scenarios [1] - In the first half of the year, the number of merchants and transaction amounts in the company's cross-border payment business experienced rapid growth, with Q2 showing a 169% increase in merchant numbers and a 272% increase in transaction amounts compared to Q1 [1]

Core Viewpoint - The company is actively monitoring policies and innovations related to digital RMB cross-border payments, aiming to develop new business opportunities while acknowledging that research and development will require time [1] Group 1: Company Initiatives - The company has been increasing its resource investment in its cross-border payment brand, PayKKa, focusing on product development and building banking funding channels [1] - The company is preparing its capabilities in products, technology, and compliance based on regulatory frameworks to support its business development efforts [1] Group 2: Industry Context - The company emphasizes the importance of aligning with regulatory frameworks in the evolving landscape of digital currency and cross-border payment solutions [1]

Core Viewpoint - The report from Guotai Junan highlights the significance of the Western Land-Sea New Corridor as a crucial international logistics channel that connects the Silk Road Economic Belt and the 21st Century Maritime Silk Road, which is expected to enhance the cross-border use of the Renminbi and create new opportunities for digital Renminbi development [1] Group 1: Financial Support for the Corridor - The People's Bank of China and eight other departments released the "Opinions on Financial Support for Accelerating the Construction of the Western Land-Sea New Corridor," outlining 21 key measures to improve financial organization collaboration, establish a high-quality capital circulation system, and enhance cross-border financial regulatory cooperation [1] - The financial service system for the Western Land-Sea New Corridor will be comprehensively improved, optimizing the cross-border trade settlement system and further expanding the cross-border use of the Renminbi [1] Group 2: Cross-Border Trade Settlement - The "Opinions" support banks in facilitating legitimate trade settlements for quality enterprises based on principles of customer understanding and due diligence, while also promoting new trade formats such as market procurement and cross-border e-commerce [2] - To expand the cross-border use of the Renminbi, the "Opinions" propose strengthening bilateral currency cooperation with Southeast Asia and Central Asian countries, creating supportive conditions for Renminbi usage [2] Group 3: Digital Renminbi Development - The "Opinions" emphasize leveraging the advantages of digital Renminbi, such as payment and settlement capabilities, low costs, and programmability, to explore innovative solutions using smart contracts [3] - There is a focus on expanding the application of digital Renminbi in cross-border payment scenarios, aiming to reduce costs and increase efficiency in cross-border transactions [3]

据IT之家昨天的报道，中国人民银行、国家发展改革委、财政部、交通运输部、商务部、金融监管总 局、中国证监会、国家外汇局当日联合印发《关于金融支持加快西部陆海新通道建设的意见》。 IT之家 12 月 25 日消息，今天晚间，中国银行公众号发文宣布：12 月 24 日，中国银行在新加坡成功完 成数字人民币海外充值测试。2026 年 1 月起，中国银行将邀请当地客户参与试用体验。届时，新加坡 居民可使用本地手机号注册数字人民币钱包，通过中国银行手机银行实现数字钱包便捷充值，在赴华旅 游、商务等场景下，即可使用数字人民币体验线下消费支付。 根据介绍，数字人民币项目是中新双边合作联合委员会（JCBC）第二十一次会议达成的六项金融成果 之一。中国银行作为首批被授权运营机构，充分发挥全球化优势，致力于打造更加便捷、高效、安全的 跨境支付生态，为两国金融互联互通注入强劲动能。 《意见》提到探索数字金融国际合作。支持沿线省（区、市）参与多边央行数字货币桥项目，推动与泰 国、香港、阿联酋、沙特阿拉伯等跨境支付使用央行数字货币。支持探索推进内地与新加坡数字人民币 跨境支付试点。支持沿线有条件的省（区、市）建设跨境电商数字服务平台， ...

12月25日，中国人民银行举行新闻发布会，介绍金融支持加快西部陆海新通道建设有关情况。中国人民 银行重庆市分行党委书记、行长姚力在谈及前期成效时表示，人民银行重庆市分行会同相关部门、金融 机构积极作为，重点推进金融支持西部陆海新通道全域开放八项标志性成果。 21世纪经济报道记者 唐婧 北京报道 《意见》明确，发挥数字人民币支付即结算、低成本、可编程等优势，研究利用数字人民币智能合约打 造创新解决方案，探讨拓展数字人民币在通道支付结算、融资、退税等场景中应用的可行性。研究扩大 数字人民币跨境应用地区范围，利用双边和多边跨境业务模式为通道跨境支付降本增效。 此前，中国人民银行等八部门印发《关于金融支持加快西部陆海新通道建设的意见》（以下简称《意 见》），从扩大人民币跨境使用等方面提出21条重点举措，推动发挥好"融资"和"结算"两项金融核心功 能，支持西部陆海新通道高质量发展。 姚力表示，其中第八项成果是实现"一个突破"，开辟数字人民币跨境支付新路径。依托多边央行数字货 币桥和中新双边数字人民币试点，推动数字人民币在跨境结算中实现新突破，为企业带来"秒级到账"的 结算新体验。 ...