政策解读丨数字人民币存款利息如何计算

Core Viewpoint - The upgrade of the digital renminbi 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 renminbi wallets can now earn interest, calculated at the prevailing savings deposit rate [2]. - Only authenticated wallets (types one, two, and three) will earn interest, while type four wallets will not [3]. Group 2: Features and Functionality - The digital renminbi application is a public service platform that integrates wallets from various operating institutions, supporting a range of services including payments, transfers, and financial management [3]. - Physical wallets, such as IC cards and wearable devices, are available to accommodate users like the elderly and children, enabling transactions even in offline scenarios [3]. Group 3: Security and Insurance - Digital renminbi balances are covered by the deposit insurance system, providing safety comparable to traditional bank deposits, with additional benefits from digital technology [4]. - The digital renminbi is issued by the People's Bank of China, ensuring higher standards in security and fraud prevention [4]. Group 4: Economic and Financial Integration - The new digital renminbi framework aims to meet the evolving needs of the digital economy and enhance the integration of digital currency with traditional banking services [5][6]. - The transition to digital deposit currency will not lead to a "deposit migration" from commercial banks but will clarify the responsibilities and rights of operating institutions, thus maintaining financial stability [7]. Group 5: Current Statistics and Future Outlook - As of now, 230 million personal wallets have been opened, with a total transaction amount of 19.5 trillion yuan expected by the end of 2025 [8]. - The digital renminbi is positioned to play a significant role in cross-border payments, with a substantial portion of transactions expected to be conducted in digital renminbi [8].