钱包余额可计息，新一代数字人民币行动方案即将实施｜快讯

Core Viewpoint - The People's Bank of China has introduced an action plan to enhance the management and service system of digital RMB, with a new framework set to be implemented on January 1, 2026, transitioning from cash-based to deposit currency-based digital RMB [2][3]. Group 1: Digital RMB Management and Framework - The action plan establishes a digital RMB measurement framework, incorporating bank-operated digital RMB into the reserve requirement system, with wallet balances counted towards deposit reserves [2]. - Non-bank payment institutions will implement a 100% digital RMB guarantee, ensuring that wallet balances are categorized based on liquidity [2]. - The transition marks the evolution of digital RMB from version 1.0 (cash-like) to version 2.0 (deposit currency-based) [2]. Group 2: Interest and Security Provisions - Under the dual-layer framework, banks will pay interest on customer-held digital RMB wallet balances, adhering to self-regulatory agreements on deposit rates [3]. - This arrangement allows banks to manage asset-liability operations autonomously, with deposit insurance providing equivalent security to traditional deposits [3]. - Non-bank payment institutions will treat digital RMB guarantees similarly to customer reserve funds [3]. Group 3: Digital RMB Transaction Data - As of November 2025, digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan [3]. - The digital RMB app has facilitated the opening of 230 million personal wallets, with 18.84 million unit wallets established [3]. - The mBridge initiative has processed 4,047 cross-border payment transactions, totaling approximately 387.2 billion yuan, with digital RMB accounting for about 95.3% of the transaction volume [3].