digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-13 01:52Group 1: Core Insights - The People's Bank of China has officially implemented the "Action Plan" for enhancing the management and service system of digital RMB, marking the transition to the 2.0 era of digital currency [3][4] - By the end of November 2025, digital RMB is expected to process 3.48 billion transactions with a total transaction amount of 16.7 trillion yuan [3][4] Group 2: Changes in Digital RMB - The digital RMB will evolve from a digital cash model to a digital deposit currency model, allowing for interest accrual on wallet balances held at banks [5][6] - The new model will expand the application scenarios of digital RMB across various sectors, including retail, education, and cross-border payments, enhancing its usability [5][6] Group 3: Dual-Layer Architecture - The "Action Plan" optimizes the dual-layer operational framework, where the central bank sets the rules and standards while commercial banks manage customer wallets and ensure compliance [7][8] - This upgrade is expected to increase commercial banks' motivation to promote digital RMB, aligning their responsibilities and benefits [7][8] Group 4: Technological Advantages - China's approach to digital RMB combines account-based management with blockchain efficiency, aiming for lower costs and higher efficiency in digital payments [9][10] - The integration of blockchain technology is expected to enhance the security and traceability of transactions, benefiting various financial applications [9][10] Group 5: Internationalization and Cross-Border Payments - The establishment of an international digital RMB operation center in Shanghai aims to improve cross-border payment efficiency and facilitate the internationalization of the RMB [10] - By the end of November 2025, the multilateral central bank digital currency bridge is projected to handle 4,047 cross-border payment transactions, with digital RMB accounting for approximately 95.3% of the transaction volume [10]