Sou Hu Cai Jing·2026-01-01 07:34Core Viewpoint - Starting January 1, 2026, major Chinese banks will pay interest on the balances of real-name digital RMB wallets at the same rate as demand deposits, highlighting a shift towards enhancing financial security and real-name verification in digital currency usage [1] Group 1: Policy Changes - Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China announced interest payments on real-name digital RMB wallets [1] - The interest calculation rules for these wallets will align with those of demand deposits [1] Group 2: Wallet Types and Regulations - The announcement specifies that certain types of wallets, particularly the four categories of non-real-name wallets, will not earn interest [1] - Non-real-name wallets require only a mobile phone verification for activation and are primarily used for small anonymous payments, while real-name wallets require varying degrees of identity verification [1] - The emphasis on wallet types and interest rules indicates a stronger regulatory focus on financial security and consumer awareness regarding wallet limits and safety [1]