试点成效突出 数字人民币应用迈入2.0时代

Core Insights - The digital RMB is entering its 2.0 era with the implementation of a new measurement framework and management system starting January 1, 2026, indicating a significant evolution in its application and infrastructure [1][4] - Jiangsu Province has emerged as a leading region in the promotion of digital RMB, achieving a cumulative transaction volume of 15 trillion yuan by the end of 2025, with consumer spending amounting to 176.9 billion yuan, both figures being the highest in the country [1][2] - The digital RMB's application scenarios are diversifying, covering various fields such as personal consumption, public transportation, cross-border applications, and corporate services [2][3] Summary by Categories Digital RMB Development - Jiangsu Province has set a benchmark for digital RMB applications, with over 78.05 million digital wallets opened and 4.04 million merchants accepting digital RMB, showcasing a robust ecosystem [1][2] - The province has also launched over 100 innovative application scenarios, enhancing the digital RMB's role from a payment tool to a digital infrastructure for urban operations [2][3] Cross-Border Applications - Jiangsu's multilateral central bank digital currency bridge project has achieved full coverage across 13 cities, facilitating cross-border transactions totaling 23.7 billion yuan by the end of 2025 [1][3] - The digital RMB is expected to play a crucial role in addressing pain points in cross-border payments, enhancing efficiency and monitoring capabilities [3][4] Future Prospects - The digital RMB is anticipated to see rapid growth in areas with existing challenges in traditional payment systems, particularly in cross-border trade scenarios [4] - The introduction of interest-bearing features for digital RMB wallets managed by commercial banks is expected to enhance their attractiveness and promote wider adoption [4]