元旦起，数字人民币开始“钱生钱”

Core Viewpoint - The People's Bank of China has introduced an action plan to strengthen the management and service system of digital RMB, which will officially start on January 1, 2026, marking the transition from digital cash to digital deposit money. Group 1: Digital RMB Interest Payment - Banks will pay interest on the balances of real-name digital RMB wallets, adhering to self-discipline agreements on deposit interest rates [2][4]. - After January 1, 2026, digital RMB held by commercial bank customers will be converted into bank deposits, generating interest income [4]. - The interest payment standards for digital RMB deposits will reference the current interest rates for demand deposits set by operating institutions, with strict adherence to self-discipline agreements on deposit rates [6][7]. Group 2: Deposit Insurance and Security - Digital RMB deposits will have the same attributes as ordinary bank deposits and will be included in the deposit insurance scheme, providing a maximum compensation limit of 500,000 yuan in case of bank risk [9]. - Only real-name digital RMB wallet balances will earn interest due to the need for clear identification of fund ownership, which aligns with anti-money laundering regulations and supports deposit insurance implementation [11]. Group 3: Digital RMB Operating Institutions - There are currently 10 designated operating institutions for digital RMB, including 6 large state-owned commercial banks, 2 joint-stock commercial banks, and 2 internet banks [13][15]. - The People's Bank of China is working on expanding the number of operating institutions for digital RMB [16].