digihuman(BJ:835670) Huan Qiu Wang·2026-01-05 05:25Core Viewpoint - The digital renminbi (RMB) has transitioned from a payment tool to a systematic currency form, with the introduction of interest on wallet balances marking a significant upgrade in its functionality and regulatory framework [3][4][5]. Group 1: Digital RMB Upgrade - The digital RMB app has been updated to version 2.0, allowing wallet balances to accrue interest at an annual rate of 0.05%, similar to traditional savings accounts [1][3]. - The "Action Plan" implemented on January 1 outlines that banks will pay interest on customer digital RMB wallet balances, marking a shift to a digital deposit currency era [3][4]. Group 2: Financial Management and Security - The new digital RMB management model allows banks to conduct real-time and precise liability management, enhancing their asset-liability management capabilities [4][5]. - The digital RMB provides the same level of security as traditional deposits, backed by deposit insurance, thus increasing public trust in its safety and stability [5][6]. Group 3: Technological Advancements - The "Action Plan" emphasizes a digital framework that includes an "account system + currency string + smart contracts," aiming to enhance the digitalization and intelligence of RMB issuance and circulation [6]. - By September 2025, the establishment of the digital RMB International Operation Center will facilitate cross-border digital payments and blockchain services, positioning digital RMB as a foundational infrastructure for the digital economy [6].