不止计付利息，数字人民币还有这些隐藏技能！

Core Viewpoint - The digital renminbi is transitioning from a "digital cash" era to a "digital deposit currency" era, starting from January 1, 2026, when wallet balances will begin to earn interest like demand deposits [1][3]. Group 1: Definition and Characteristics - Digital renminbi is a digital form of legal currency issued by the People's Bank of China, equivalent to physical renminbi, and has value characteristics and legal tender status [3]. - The 2.0 version of digital renminbi represents a significant upgrade, functioning as "digital demand deposits" [3]. - Digital renminbi differs fundamentally from virtual currencies, as it is backed by national credit, while virtual currencies are decentralized and lack stable value [3]. Group 2: Benefits for Consumers - The upgrade of digital renminbi offers benefits in three main areas: "interest," "convenience," and "security" [5]. - Wallet balances can earn interest at the bank's demand deposit rate, enhancing the willingness of users to hold digital renminbi [5]. - The "dual offline payment" feature allows transactions without internet access, facilitating convenient payments [5]. - A "visual hard wallet" has been introduced for the elderly, simplifying the payment process with a physical card that displays balance and payment codes [5]. - Digital renminbi wallets with balances up to 500,000 yuan are protected by deposit insurance, ensuring security comparable to bank deposits [5]. Group 3: Regulatory and Social Implications - Digital renminbi adheres to the principle of "small amount anonymity, large amount traceability," which aids in combating fraud, money laundering, tax evasion, and terrorist financing [6]. - It complements existing payment systems like WeChat and Alipay, creating a collaborative ecosystem rather than a zero-sum game [8]. - Digital renminbi is expected to create a "catalyst effect" in the payment landscape, encouraging a return to the essence of service and potentially leading to new business models [8]. Group 4: National Significance - The digital renminbi has significant strategic implications for the country, including ensuring financial security and maintaining payment system functionality in extreme situations [9]. - It promotes the internationalization of the renminbi, facilitating easier settlement and clearing in international transactions [9]. - As the first major economy to position central bank digital currency as interest-bearing deposit currency, China strengthens its global leadership and rule-making authority in this area [9]. - It enhances regulatory capabilities to combat illegal activities such as money laundering and tax evasion through high traceability [9]. - The digital renminbi also supports inclusive finance by providing basic financial services to unbanked populations, contributing to common prosperity [9].