digihuman(BJ:835670) Sou Hu Cai Jing·2026-01-19 01:25Core Viewpoint - The upgrade of digital RMB to version 2.0 introduces significant advantages, including the ability for users to earn interest on their digital currency balances, transforming it from digital cash to digital deposit currency [1][2]. Group 1: Advantages of Upgraded Digital RMB - Digital RMB wallets can now earn interest based on the current deposit rates, with interest calculated quarterly on the balance of authenticated wallets [2][4]. - The digital RMB is integrated into the deposit insurance system, providing the same level of security as traditional bank deposits, while also leveraging digital technology for enhanced safety and functionality [4][6]. - The upgrade supports a dual-layer operational framework, allowing commercial banks to manage digital RMB balances effectively without risking deposit migration [6][7]. Group 2: User Experience and Accessibility - Users must complete real-name authentication for their wallet balances to earn interest, with different wallet types (Class 1, 2, and 3) eligible for interest payments [2][3]. - The digital RMB application is designed to be user-friendly, including features for various demographics, such as the elderly and children, and offers physical wallet options like IC cards and wearable devices [3][5]. - The application has seen significant adoption, with 230 million personal wallets opened, indicating a growing ecosystem for digital RMB [8][9]. Group 3: Future Developments and Market Impact - The new measurement framework aims to align with the digitalization trends in the economy, enhancing the digital RMB's role in various sectors [5][6]. - The digital RMB's integration into the financial system is expected to facilitate cross-border payments, with significant transaction volumes projected by the end of 2025 [9].