digihuman(BJ:835670) 智通财经网·2026-01-09 02:37Core Insights - Digital RMB plays a significant role in promoting the internationalization of the RMB and enhancing China's financial influence globally [1][2] Group 1: Digital RMB Overview - Digital RMB is a digital form of legal tender issued by the central bank, characterized by legal validity, security, convenience, and programmability [2] - As of November 2025, Digital RMB has processed 3.48 billion transactions with a total transaction amount of 16.7 trillion RMB [2] Group 2: Market Dynamics - The necessity for sovereign digital currencies arises from risks posed by cryptocurrencies and global stablecoins to the international monetary system [3] - Approximately 130 countries, representing 98% of the global economy, are exploring digital versions of their currencies, with many in advanced development or pilot stages [3] Group 3: Favorable Environment - The usage rate of cash in China is low, with electronic payments accounting for over 60% of non-cash transactions [4] - The total payment volume in China's digital payment market is projected to reach 332 trillion RMB in 2024 and 393 trillion RMB by 2029 [4] Group 4: Industry Chain - Key technology areas for the issuance layer include digital encryption, network security, and identity authentication, with core technology companies likely to participate in the development [5] - The circulation layer will require banks and third-party payment institutions to upgrade their systems to accommodate Digital RMB [5] - The application layer involves upgrades to payment terminals like POS and ATMs, as well as the use of digital wallets [5]