首单落地！数字人民币智能合约拓展智能代发领域新场景

Core Insights - The People's Bank of China has facilitated the launch of the first digital RMB smart contract for wage payments to migrant workers in Chengdu, marking a new model for digital and inclusive finance [1] - The digital RMB smart contract automates wage disbursement, ensuring funds are not misappropriated and are paid in full according to wage details [1] Group 1: Digital RMB Smart Contracts - Digital RMB smart contracts enable the digitalization, automation, and enforcement of contracts, eliminating human intervention and supporting cross-institutional interoperability [1] - The smart contract ecosystem allows for automatic execution of funds based on pre-set conditions, enhancing financial security and efficiency in various applications [2] Group 2: Applications and Impact - Smart contracts have been piloted in areas such as prepaid fund management, supply chain finance, corporate finance management, and subsidy distribution, demonstrating their versatility [2] - In prepaid fund management, funds remain with consumers until conditions are met, ensuring protection against misuse [2] - By January 2026, there will be 486,400 signed contracts with a total transaction amount of 316 million yuan in various sectors [3]