digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-09 11:17Core Viewpoint - The introduction of interest on digital renminbi starting January 1, 2026, represents a significant transformation in financial security, banking motivation, and national financial strategy, beyond just earning interest on deposits [1]. Group 1: Digital Renminbi and Interest - Digital renminbi will officially enter the interest-bearing era, allowing users to earn interest on their balances, which shifts the perception of digital currency from "dead money" to an asset that generates income [13][15]. - The transition of digital renminbi from "central bank liabilities" to "bank deposits" enables banks to utilize these funds for lending, thus creating profit opportunities [15][17]. Group 2: Smart Contracts and Consumer Protection - The implementation of smart contracts addresses consumer concerns regarding prepayments, ensuring that funds are only released under specific conditions, thereby protecting users from potential business failures [5][9]. - Smart contracts can also facilitate targeted spending, allowing users to restrict how funds are used, which enhances financial management and reduces the risk of fraud, especially for vulnerable populations like the elderly [7][9]. Group 3: Financial Security and Transparency - The digital renminbi enhances financial security by being fully regulated and traceable, which helps prevent financial risks and ensures transparency in transactions [20]. - The system's design aims to provide a secure payment environment, safeguarding against issues that could arise from unregulated private payment platforms [18][20]. Group 4: International Implications - The digital renminbi, in conjunction with platforms like mBridge, offers a viable alternative to the traditional SWIFT system, potentially reducing reliance on the US dollar and enhancing the international influence of the renminbi [22][24]. - The growing adoption of the digital renminbi among countries along the Belt and Road Initiative signifies its strategic importance in global trade and finance [24][26].