digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-05 11:03Core Viewpoint - From January 1, 2026, digital yuan wallet balances will earn interest based on current deposit rates, marking a transition from "digital cash" to "digital deposit currency" in China [1][2] Group 1: Digital Yuan Interest Payment - Digital yuan wallets will be credited interest similar to bank current deposits, as announced by major state-owned banks [2] - This move signifies a shift from the cash-like version 1.0 to the deposit currency version 2.0 of digital yuan [2] Group 2: Application and Usage - Digital yuan has established application models across various sectors, including retail, education, and public services, with capabilities for both online and offline payments [3] - Users can download the "Digital Yuan" app, register a wallet, and convert bank funds into digital yuan through various payment methods [7] Group 3: Comparison with Other Payment Methods - Digital yuan functions as a direct form of currency, while WeChat and Alipay serve as wallets that can hold various forms of money [10] - Unlike WeChat and Alipay, which can be refused by merchants, digital yuan will be universally accepted once fully promoted [11] Group 4: Benefits of Digital Yuan - The issuance cost of digital yuan is lower as it eliminates the need for physical currency production [12] - Digital yuan facilitates the internationalization of the renminbi, making transactions more convenient in global trade [13]