央行发布数字人民币行动方案 2026年1月1日起正式实施

Core Insights - The People's Bank of China has introduced an action plan to enhance the management and service system for digital currency, set to be implemented on January 1, 2026 [1] Group 1: Digital Currency Development - The new digital yuan framework will include measurement, management, operational mechanisms, and ecosystem [1] - As of November 2025, the total number of transactions using digital yuan reached 3.48 billion, with a total transaction value of 16.7 trillion yuan [1] - The number of personal wallets opened through the digital yuan app is 230 million, while there are 18.84 million corporate wallets [1] Group 2: Cross-Border Payment Initiatives - The mBridge project has completed 4,047 cross-border payment transactions, amounting to 387.2 billion yuan [1] - Digital yuan accounts for approximately 95.3% of the transaction value across various currencies in the mBridge project [1]