数字人民币能计利息了！对你的钱包有何影响？

Core Viewpoint - Starting from January 1, 2026, digital yuan wallet balances will earn interest based on current deposit rates, marking a transition from "digital cash" to "digital deposit currency" [2][4]. Group 1: Significance of Digital Yuan Interest - The introduction of interest on digital yuan balances positions China as the first economy to pay interest on central bank digital currency (CBDC), which is expected to enhance user willingness to adopt digital yuan and expand its usage scenarios [2][4]. - Major state-owned banks, including ICBC, ABC, CCB, BOC, PSBC, and BOCOM, will implement this interest policy, aligning with the current deposit interest rates [4]. Group 2: Current Applications and Features - Digital yuan has established a presence in various sectors such as retail, dining, education, public services, and cross-border settlements, showcasing a versatile application model that integrates both online and offline capabilities [5]. - The digital yuan operates on a broad account system, supporting a decoupled banking account function, and is equivalent to physical RMB, possessing value characteristics and legal tender status [9]. Group 3: Payment Methods and User Experience - Users can download the "Digital Yuan" app, register a wallet, and convert bank funds into digital yuan through the app [11]. - Payment methods include QR code payments, NFC "tap-to-pay," and direct transfers using phone numbers or wallet IDs, transitioning from a cash-like 1.0 version to a deposit-like 2.0 version [12]. Group 4: Advantages of Digital Yuan - The issuance cost of digital yuan is lower as it eliminates the need for physical currency production, thus reducing costs associated with printing and maintaining physical money [20]. - Digital yuan transactions are recorded, aiding in the fight against illegal activities [21]. - The digital currency facilitates international transactions, promoting the global use of the RMB [22]. Group 5: Comparison with Other Payment Methods - Unlike WeChat and Alipay, which serve as wallets for various currencies, digital yuan functions as a direct form of money, enhancing the payment experience [16][18]. - Merchants will be required to accept digital yuan, while they can refuse other payment methods like WeChat and Alipay, which may incur service fees [25].