中国基金报·2025-12-31 08:42Core Viewpoint - The six major state-owned banks in China announced that starting January 1, 2026, the balance in digital RMB wallets will earn interest based on the current deposit rate, marking the end of the "interest-free era" for digital RMB [2][5]. Group 1: Interest Payment Mechanism - The digital RMB wallets (including personal and corporate wallets) will earn interest according to the bank's published current deposit rates, while balances in certain wallet types (fourth category personal wallets) will not earn interest [5]. - Currently, the current deposit rate across these banks is set at 0.05% [6]. Group 2: Future Development and Regulatory Framework - The People's Bank of China (PBOC) has outlined a new action plan to enhance the management and service system for digital RMB, which will officially launch on January 1, 2026 [6][7]. - The future digital RMB will be a modern digital payment and circulation method, supported by the central bank and possessing characteristics of commercial bank liabilities, with functionalities including value measurement, value storage, and cross-border payments [7]. Group 3: Adoption and Usage Statistics - As of November 2025, digital RMB has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets and 18.84 million corporate wallets opened [8]. - The mBridge initiative has processed 4,047 cross-border payment transactions, with a total transaction amount equivalent to 387.2 billion yuan, where digital RMB accounted for approximately 95.3% of the transaction volume [8].