人民日报解读：数字人民币升级后有何优势？存款利息如何计算？

Core Viewpoint - The upgrade of the digital renminbi to version 2.0, effective from January 1, transforms it from digital cash to digital deposit currency, allowing users to earn interest on their wallet balances [1][4]. Group 1: User Impact - The most direct change for individual users is that the balance in their digital renminbi wallets can now earn interest, calculated at the current savings rate on a quarterly basis [2][4]. - Only authenticated wallets (types one, two, and three) will earn interest, while type four wallets will not [3]. Group 2: Advantages of Digital Renminbi - Digital renminbi balances are covered by the deposit insurance system, providing safety comparable to traditional bank deposits, while also leveraging digital technology for enhanced security and functionality [4][6]. - The digital renminbi can be used in various scenarios, including daily transactions and blockchain applications, and supports smart contracts for complex applications [4][6]. Group 3: Operational Framework - The new digital renminbi measurement framework aims to meet the evolving needs of the digital economy and enhance the management and service capabilities of the digital currency [5][6]. - The transition to digital deposit currency will not lead to a "deposit migration" from commercial banks but will instead clarify the responsibilities and rights of operating institutions, thereby maintaining financial stability [6][7]. Group 4: Ecosystem Development - As of now, the digital renminbi application has opened 230 million personal wallets, indicating a growing user base and ecosystem [8][9]. - By the end of 2025, pilot regions are expected to have processed transactions amounting to 19.5 trillion yuan, with a significant portion of cross-border payments being conducted in digital renminbi [9].