digihuman(BJ:835670) Bei Jing Shang Bao·2025-12-29 02:45Core Insights - The People's Bank of China announced that the new digital RMB framework will officially launch on January 1, 2026, marking a significant step in the evolution of digital currency in China [1] - The digital RMB is currently leading in trials among central banks globally, showcasing its advanced capabilities in various aspects of digital currency [1] Group 1: Digital RMB Capabilities - The digital RMB has a hybrid currency capability, supporting both account and blockchain models, as well as software and hardware wallets, enabling both online and offline payments [1] - It features programmable currency capabilities, allowing for smart contracts that facilitate digitalization and automatic execution of contracts [1] - The digital RMB offers efficient regulatory capabilities with strong transparency, standardization, and interoperability [1] - It has a comprehensive application across various sectors, including wholesale and retail, dining and tourism, education and healthcare, public services, social governance, rural revitalization, and cross-border settlements [1] Group 2: Transaction Data - As of November 2025, the digital RMB has processed a total of 3.48 billion transactions, amounting to 16.7 trillion yuan [2] - The digital RMB app has opened 230 million personal wallets, with 18.84 million unit wallets established [2] - The mBridge project has handled 4,047 cross-border payment transactions, totaling approximately 387.2 billion yuan, with the digital RMB accounting for about 95.3% of the transaction volume across currencies [2]