数字人民币开始计付利息

Core Viewpoint - The digital renminbi is transitioning from a "digital cash era" to a "digital deposit currency era" starting January 1, 2026, allowing interest to be paid on user balances in real-name wallets [1] Group 1: Digital Renminbi Features - From January 1, 2026, the balance in real-name digital renminbi wallets will earn interest based on the current deposit rate [1] - Users can view interest details by accessing the wallet asset page after the quarterly interest settlement date [1] Group 2: App and Interface Updates - The digital renminbi App has been upgraded to version 2.0, featuring an optimized wallet interface design [1] - Different traditional floral designs, such as peony, plum blossom, lotus, and orchid, are used as main visual elements for the wallet interface of ten different operating institutions [1] Group 3: Regulatory Framework - The People's Bank of China has introduced an action plan to strengthen the management and service system for digital renminbi, with a new measurement framework and operational mechanisms set to launch on January 1, 2026 [1] - Banks will be responsible for paying interest on the balances of customers' real-name digital renminbi wallets, indicating a shift from cash in circulation to deposit-like functionality [1]