智通财经网·2025-12-16 04:27Core Insights - The digital RMB is expected to accelerate its penetration across the industrial chain, with significant growth potential in the future [1][2] - The development of digital RMB is beneficial for the internationalization of the RMB, addressing issues in traditional cross-border payment systems [2] - By 2030, the transaction volume of digital RMB could reach between 52.8 trillion to 223.6 trillion yuan, driven by both domestic consumption and cross-border payments [3] Group 1: Digital RMB Overview - Digital RMB is a central bank-issued digital legal currency, covering retail, corporate, and cross-border scenarios, gradually becoming a foundational infrastructure for the digital economy [1] - It operates under a "centralized management + dual-layer operation" model, with a completed top-level design and a system that has transitioned from "point breakthroughs" to "network coverage" [1] - Currently, digital RMB is being piloted in 17 provinces, with an international operational center established to facilitate cross-border digital payments and blockchain services [1] Group 2: Market Potential and Ecosystem - The digital payment ecosystem in China is mature, with high penetration rates, which will accelerate the implementation of digital RMB in various scenarios [2] - The zero transaction fee of digital RMB can reduce operational costs for third-party payment providers, incentivizing them to promote its adoption [2] - The estimated market space for digital RMB by 2030 includes domestic daily consumption payments and cross-border payments, with significant potential for third-party payment companies, especially in the cross-border payment sector [3]