digihuman(BJ:835670) Xuan Gu Bao·2025-12-29 23:29Group 1 - The People's Bank of China announced the implementation of the new digital RMB framework on January 1, 2026, marking the transition from digital cash to digital deposit currency [1] - The new framework includes a mechanism for interest payments on digital RMB held in commercial bank wallets, addressing previous issues of low holding motivation due to lack of returns [1] - As of November 2025, the cumulative transactions of digital RMB reached 3.48 billion, with a total amount of 16.7 trillion yuan, indicating significant user engagement with 230 million personal wallets and 1.884 million corporate wallets [1] Group 2 - Guotai Junan Securities stated that the integration of digital RMB into commercial bank liabilities and the reserve system enhances macroeconomic control and expands the business space for financial institutions [2] - Huachuang Securities highlighted the vast potential in payment scenarios following the upgrade of digital RMB to M1 and M2 categories, with applications already covering 17 provinces and cities [2] - By 2030, the transaction volume of digital RMB is projected to reach between 52.8 trillion and 223.6 trillion yuan, with significant contributions from daily consumption and cross-border payment scenarios [2] Group 3 - Changliang Technology is a leading player in the domestic fintech sector, providing core business system solutions to a wide range of banking clients, including state-owned banks and foreign banks [3] - Newland is noted for its strong technical foundation in payment terminals, serving banks and third-party payment institutions [4]