央行定调：数字人民币迈入“计息时代”

Group 1 - The People's Bank of China has introduced an action plan to strengthen the management service system and related financial infrastructure for digital RMB, with a new framework set to be implemented on January 1, 2026 [2] - From January 1, 2026, digital RMB wallet balances will earn interest similar to demand deposits, marking a transition from "digital cash" to "digital deposit currency" [2] - By the end of November 2025, digital RMB has processed 3.48 billion transactions with a total transaction amount of 16.7 trillion yuan, showing positive results in various sectors including retail, education, and cross-border payments [2] Group 2 - The implementation of the plan signifies the evolution of digital RMB from cash-type 1.0 to deposit currency-type 2.0, supported by central bank technology and regulatory oversight [3] - The future digital RMB will function as a modern digital payment and circulation method within the financial system, possessing attributes of commercial bank liabilities and compatible with distributed ledger technology [3] - Following the announcement, related digital currency concept stocks in the capital market saw significant activity, with notable increases in stock prices for companies such as Digital Certification and Yuyin Co [3]