上海尝鲜数字人民币“碳普惠”，坐地铁也能挣钱！其他地区加速拓展中

Core Viewpoint - The introduction of the "Carbon Inclusive" service within the digital RMB app aims to encourage low-carbon behaviors among the public by allowing users to earn carbon credits for eco-friendly actions, which can be converted into digital RMB [4][6]. Group 1: Service Overview - The "Carbon Inclusive" service quantifies low-carbon actions, such as riding shared bikes or using public transport, into carbon credits that can be exchanged for digital RMB [4]. - Users can activate the service through the digital RMB app, where their low-carbon activities will automatically accumulate carbon credits in their "Carbon Inclusive" account [5]. Group 2: Industry Implications - The "Carbon Inclusive" service is expected to enhance the adoption of digital RMB by promoting the dual carbon goals and increasing user engagement through rewards [6]. - The service is anticipated to create a positive cycle among policies, markets, and users, transforming banks from passive promoters to active operators [6]. Group 3: Future Expansion - Following its initial launch in Shanghai, the "Carbon Inclusive" service is expected to expand to other pilot regions across the country [7]. - The digital RMB app has recently been upgraded to version 2.0, which includes interest payments on balances and insurance coverage for digital RMB deposits, enhancing user confidence [7]. Group 4: Current Statistics - As of November 2025, the digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets opened [7]. - The service has established a replicable application model across various sectors, including retail, education, and public services, contributing to the broader financial landscape [7].