数字人民币钱包余额可计付利息

Core Insights - The People's Bank of China has introduced an action plan to enhance the management service system and related financial infrastructure for digital RMB, set to officially launch on January 1, 2026 [1] - Digital RMB wallets will start earning interest based on current deposit rates, marking a transition from "digital cash" to "digital deposit currency" after ten years of research and trials [1] - China will become the first economy to pay interest on central bank digital currency wallet balances [1] Summary by Categories Digital Currency Development - The new digital RMB measurement framework, management system, operational mechanism, and ecosystem will be implemented starting January 1, 2026 [1] - As of the end of November 2025, digital RMB has processed a total of 3.48 billion transactions, with a cumulative transaction amount of 16.7 trillion yuan [1] Economic Impact - The introduction of interest on digital RMB wallet balances is expected to have significant implications for the financial landscape in China, potentially influencing consumer behavior and savings patterns [1]