首单落地 数字人民币守护农民工“钱袋子”

Core Viewpoint - The implementation of digital RMB smart contracts in Chengdu marks a new model for ensuring wage payments for migrant workers, enhancing financial security and efficiency in the payment process [1][5]. Group 1: Digital RMB for Wage Payments - The first application of digital RMB for wage payments has been successfully executed, providing a secure and efficient method for migrant workers to receive their salaries [1][5]. - Migrant worker Wang Tonglin expressed satisfaction with the digital RMB system, highlighting the convenience of accessing wages directly through a mobile wallet without needing to visit a bank [3]. - The digital RMB smart contract functions as an "intelligent digital contract," automating payment processes and ensuring funds are used specifically for their intended purpose, thus preventing misuse [5][7]. Group 2: Broader Applications of Digital RMB Smart Contracts - Beyond wage payments, digital RMB smart contracts can address issues in prepaid consumption, protecting consumers from potential losses when businesses fail [5][11]. - In prepaid funding management, the smart contract ensures that funds remain with the consumer until specific conditions are met, allowing for automatic refunds if services are not rendered [9][11]. - The innovative model of "pay once, consume once" transforms traditional prepaid systems, enhancing consumer protection and providing a new governance path for the prepaid industry [11][15]. Group 3: Future Prospects of Digital RMB Smart Contracts - The application of digital RMB smart contracts extends to various sectors, including consumer subsidies and supply chain finance, showcasing its versatility [13][15]. - Smart contracts can facilitate targeted consumer subsidies by automatically verifying eligibility based on government data, thus improving the efficiency of fund distribution [15]. - As of January 2026, digital RMB smart contracts have been piloted in multiple areas, with a total of 486,400 contracts signed and a transaction amount of 316 million yuan [17].