digihuman(BJ:835670) Di Yi Cai Jing·2026-01-22 22:48Core Viewpoint - The upgrade to version 2.0 of the digital RMB introduces interest-bearing wallets and integrates carbon credits into the digital currency ecosystem, enhancing its functionality and appeal to users [1][2][3]. Group 1: Digital RMB Upgrade - The digital RMB 2.0 version allows wallet balances to earn interest, aligning them with the characteristics of demand deposits [2][3]. - The upgrade shifts the digital RMB's role from a mere payment tool to a comprehensive financial infrastructure, expanding its functionalities beyond retail payments to include savings, loans, and investments [3][5]. Group 2: User Experience and Wallet Types - Digital RMB wallets are categorized into four types based on user authentication, with only real-name wallets eligible for interest, reflecting a principle of rights and responsibilities [2][3]. - Users can choose between the convenience of anonymous wallets and the benefits of interest-bearing real-name wallets, catering to different needs [2]. Group 3: Ecosystem Expansion and Application Scenarios - The digital RMB ecosystem is expanding, with a significant increase in transaction volumes and wallet openings, indicating growing adoption [4][5]. - Future applications of digital RMB are expected to include diverse financial products and services, enhancing payment efficiency and reducing operational risks for businesses [5].