央行已出台数字人民币行动方案，2026年1月1日正式启动实施

Core Viewpoint - The People's Bank of China has introduced an action plan to enhance the management and service system for digital RMB, with a new framework set to be implemented on January 1, 2026 [1] Group 1: Digital RMB Development - As of the end of November 2025, digital RMB has processed a total of 3.48 billion transactions, amounting to 16.7 trillion yuan [1] - The digital RMB app has facilitated the opening of 230 million personal wallets, with 18.84 million unit wallets established [1] Group 2: Cross-Border Transactions - The mBridge initiative has processed 4,047 cross-border payment transactions, with a total transaction value equivalent to 387.2 billion yuan, where digital RMB accounts for approximately 95.3% of the transaction volume across various currencies [1]