Sou Hu Cai Jing·2025-09-20 08:20Core Viewpoint - Guotai Junan has launched an internal testing phase for its self-developed stablecoin, focusing on the "Healthy China Phase IV" user group, offering a 2% annual interest rate and a 1:1 exchange with digital RMB, aiming to integrate digital finance with the health industry [1][3][5] Group 1: Stablecoin Features - The stablecoin is designed to empower the health industry, specifically targeting users involved in the "Healthy China Phase IV" initiative, including healthcare professionals and employees of health-related enterprises [3][4] - Users participating in the internal test can earn a 2% annual interest rate, with returns calculated daily and distributed monthly, ensuring stable and compliant investment returns [3][4] - The stablecoin allows for real-time, fee-free conversion to digital RMB, enhancing liquidity and usability while maintaining the legal currency attributes of digital RMB [3][4] Group 2: Benefits for Users - The stablecoin addresses financial management challenges in the health industry, enabling healthcare professionals to convert idle funds into stablecoins for investment while allowing easy conversion back to digital RMB for operational expenses [4] - Employees in the health sector can receive salaries and subsidies through stablecoins, providing flexibility compared to traditional investment methods [4] Group 3: Strategic Implications - The internal testing of the stablecoin is a crucial step in Guotai Junan's strategy to empower the health industry through digital finance, with plans for broader functionalities post-testing [4][5] - The stablecoin is expected to serve as a vital link between digital finance and the health industry, supporting the implementation of the "Healthy China" strategy and reinforcing Guotai Junan's leadership in the digital finance ecosystem [5]