digihuman(BJ:835670) 2 1 Shi Ji Jing Ji Bao Dao·2025-10-31 10:44Core Insights - The recent update of the digital RMB app to version 1.2.5 focuses on optimizing wallet activation steps, adding a risk feedback feature, and incorporating JD Pay into the payment platform, enhancing the acceptance network for digital RMB [1][7]. Group 1: App Features and Enhancements - The update simplifies the wallet activation process to lower the entry barrier for new users, although specific simplifications need to be validated in real user scenarios [1]. - A new "risk feedback" channel has been added, allowing users to report various types of fraud, which emphasizes the importance of user fund security [7]. - The app now categorizes desktop widgets into six themes, enhancing user experience with a total of 18 design options [5]. Group 2: Payment Platform Expansion - JD Pay has become the fourth payment platform to join the digital RMB acceptance network, following Alipay, WeChat Pay, and Meituan Pay, which standardizes the acceptance environment and simplifies user operations [7][9]. - The integration of JD Pay covers various JD-related apps, streamlining the payment process and avoiding the need for users to activate multiple quick payment options [7]. Group 3: Overall Impact - The update balances convenience and security, with the expansion of payment platforms and feature enhancements expected to support the upgrade of financial infrastructure and the development of the digital economy [9].