digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-08 04:40Group 1 - The core upgrade of digital RMB to version 2.0 will take effect from January 1, 2026, allowing major state-owned banks to pay interest on digital RMB wallet balances at the same rate as demand deposits [1] - The upgrade is based on a recent action plan by the People's Bank of China, which states that digital RMB in commercial bank wallets will be treated as bank liabilities, marking a shift from cash-type to deposit currency-type [1] - The liquidity of digital RMB in the banking system is expected to significantly increase with this transition to a deposit currency, encouraging banks to offer more financial services related to digital RMB [1][2] Group 2 - As of November 2025, the digital RMB pilot program has expanded to 26 regions across 17 provinces, processing a total of 3.48 billion transactions amounting to 16.7 trillion yuan [2] - The number of personal wallets opened through the digital RMB app reached 230 million, while corporate wallets totaled 18.84 million [2] - In the cross-border payment sector, the mBridge initiative has processed 4,868 transactions with a total value of approximately 477.8 billion yuan, with digital RMB accounting for about 96% of the transaction volume [2]