digihuman(BJ:835670) Sou Hu Cai Jing·2026-02-08 08:57Core Viewpoint - The digital RMB is set to undergo significant upgrades and widespread adoption starting in 2026, transitioning into a new era of digital currency that will increasingly replace physical cash [4]. Group 1: Digital RMB Development - The digital RMB was first introduced to the public in 2019, with the official app launched in 2022, leading to 225 million personal wallets and a total transaction amount of 14.2 trillion yuan by September 2025 [1]. - The digital RMB has been used for cross-border payments, with the first transaction occurring in Laos in December 2022 [1]. Group 2: User Experience and Features - Users can now access digital RMB without internet connectivity, and it can be linked to traditional bank accounts, allowing for interest accrual and deposit insurance [8][10]. - The digital RMB will be included in deposit insurance coverage, ensuring user protection in case of bank issues, and allowing for flexible management of funds, including the option for term deposits and investments [10]. Group 3: Cross-Border Payment Enhancements - The digital RMB will facilitate easier cross-border payments for individuals and businesses, with the establishment of a digital RMB international operation center to streamline transactions [10][11]. - The clear tracking of funds in the digital RMB system will simplify the process for legitimate cross-border payments, reducing the need for complex application procedures [10].