数字人民币将“拿到手机就能用”

Core Insights - The digital RMB has launched a componentized service integrated into the HarmonyOS, providing system-level secure and convenient digital RMB services, effectively reducing development costs and usage barriers for developers and users [1][2] - The integration allows HarmonyOS users to make payments using digital RMB without needing to download a separate app, enhancing user experience [1] - Future plans include further enhancing the componentized service level by embedding digital RMB capabilities into IoT devices and operating systems, aiming for deep integration with smart IoT [1][2] Group 1 - The next steps for digital RMB involve strengthening its integration with HarmonyOS, enriching wallet applications, and developing financial middleware for better interaction with other financial applications [2] - There will be an emphasis on risk monitoring and prevention, ensuring a secure operating environment while maintaining user privacy and enhancing regulatory capabilities [2] - The collaboration with HarmonyOS is expected to create a replicable model for promoting digital RMB integration with other domestic smartphone manufacturers [2] Group 2 - The People's Bank of China is enhancing industry coordination and providing technical support and standards to promote the regulated development of digital RMB [3] - The launch of componentized digital RMB is seen as an innovation aligned with national technology strategies, supporting the development of domestic smartphone operating systems [3] - Recommendations include optimizing product and service offerings to continuously empower new technologies and markets, contributing to high-quality economic development [3]