新华网财经·2025-12-31 09:57Core Viewpoint - Starting from January 1, 2026, major Chinese banks including Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China will pay interest on the balances of real-name digital RMB wallets at the same rate as current deposit rates, with interest calculation rules aligned with those of current deposits [2] Group 1: Digital RMB Wallets - The announcement specifies that interest will not be paid on balances in four types of personal non-real-name wallets, which are typically used for small anonymous payments and require only mobile phone verification for activation [2] - Real-name wallets (types one, two, and three) require varying degrees of identity verification, highlighting a strengthened emphasis on real-name systems and financial security [2] - Consumers are advised to understand the type of wallet they hold, the interest calculation rules, and the limits and security of their funds [2]