digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-18 22:57Core Viewpoint - The upgrade of digital RMB to version 2.0 signifies its transition from digital cash to digital deposit currency, allowing users to earn interest on their wallet balances starting January 1 [1][2]. Group 1: User Impact - The most direct change for individual users is that the balance in their digital RMB wallets can now earn interest, calculated at the prevailing savings rate for real-name wallets [2]. - Interest will be credited quarterly on specific dates, and users can check their interest amounts through the digital RMB application [2]. - Only real-name wallets (types one, two, and three) will earn interest, while type four wallets will not [3]. Group 2: Security and Advantages - Digital RMB balances are covered by the deposit insurance system, providing the same level of security as traditional bank deposits [4]. - The digital RMB incorporates advanced digital technology, allowing for secure transactions and the potential for smart contracts [4]. - The dual-layer operational framework ensures that digital RMB balances are treated as bank liabilities, enhancing the operational capacity of commercial banks [6]. Group 3: Operational Framework - The new digital RMB measurement framework aims to meet the evolving needs of the digital economy and enhance the management and service capabilities of digital RMB [5]. - The framework allows commercial banks to manage digital RMB wallet balances as part of their asset-liability operations, which is expected to increase their operational flexibility [6]. - The digital RMB will be integrated into the reserve requirement system, ensuring that wallet balances are accounted for within the banking system [6]. Group 4: Market Statistics - As of now, the digital RMB application has opened 230 million personal wallets, with a total transaction amount of 19.5 trillion yuan and 3.57 billion transactions processed [8]. - The digital RMB is expected to play a significant role in cross-border payments, with a notable percentage of transactions conducted in digital RMB [8].