digihuman(BJ:835670) Xin Hua Wang·2026-01-12 23:38Core Viewpoint - The People's Bank of China has launched the "Action Plan" to strengthen the management and service system of digital RMB, marking the transition to the 2.0 era of digital currency, with significant implications for individuals, businesses, and banks [1][2]. Group 1: Changes in Digital RMB - The "Action Plan" indicates a shift from digital cash to digital deposit currency, with digital RMB now having attributes of commercial bank liabilities and being based on accounts [2][3]. - Digital RMB will now accrue interest for users, enhancing its appeal for both individuals and businesses [3]. - The digital RMB has achieved full-scenario currency capabilities, applicable in various sectors including retail, education, and cross-border payments [3]. Group 2: Optimization of the Dual-Layer Architecture - The "Action Plan" optimizes the dual-layer operational system, where the central bank sets rules and standards while commercial banks manage user wallets and ensure compliance [4][5]. - This upgrade encourages commercial banks to actively promote digital RMB, aligning their responsibilities and benefits [4][6]. Group 3: Technological Advantages - China's digital RMB development integrates account-based management with blockchain efficiency, aiming for lower costs and higher efficiency in payment services [7]. - The use of blockchain technology enhances security and traceability, making it advantageous for various financial applications [7]. Group 4: Internationalization and Cross-Border Payments - The establishment of a digital RMB international operation center in Shanghai aims to improve cross-border payment efficiency, facilitating the internationalization of the RMB [8]. - As of November 2025, the multilateral central bank digital currency bridge has processed significant cross-border transactions, with digital RMB accounting for approximately 95.3% of the total transaction volume [8].