数字人民币2.0：季度结息、手机可查！将有更多存款类产品

Core Viewpoint - Starting from January 1, 2026, digital RMB will officially enter the interest-bearing phase, transitioning from cash-type version 1.0 to deposit currency version 2.0, indicating its integration into residents' wealth management scenarios [1][2]. Group 1: Interest Payment Mechanism - The People's Bank of China has implemented a plan that allows banks to pay interest on the balances of real-name digital RMB wallets, with interest calculated at the same rate as current deposit rates [2][4]. - The digital RMB app has launched a feature that allows users to view the interest amount and annual interest rate for the previous quarter [2]. - The current interest rate for digital RMB wallets is set at 0.05% [2]. Group 2: Wallet Types and Interest Eligibility - There are four types of digital RMB wallets, with only real-name wallets eligible for interest payments; anonymous wallets do not earn interest [3]. - The classification of wallets is based on the level of identity verification, with varying limits on consumption, transfers, and account balances [3]. Group 3: Expansion of Deposit Products - The digital RMB is issued by the People's Bank of China and is being integrated into various payment scenarios, including transportation, dining, shopping, and utility payments [4]. - Currently, ten commercial banks are authorized to open digital RMB wallets, including major banks such as ICBC, ABC, and CCB [4]. - The implementation of the interest-bearing mechanism is expected to lead to an expansion of deposit products, enhancing the digital RMB's role as a comprehensive digital financial tool for cash management and wealth growth [5].