中国建设银行·2026-01-08 07:52Core Viewpoint - The digital renminbi has transitioned from the "digital cash era" to the "digital deposit currency era," with the digital renminbi App upgraded to version 2.0, enhancing user experience and introducing new features [1]. Group 1: Interest on Wallet Balance - Starting from January 1, 2026, China Construction Bank will pay interest on the balance of the real-name digital renminbi wallet at the bank's current deposit rate, with interest calculation rules consistent with current deposits [1]. Group 2: Wallet Interface Updates - The wallet interface has been redesigned, incorporating traditional floral patterns as main visual elements, with ten different flower designs representing ten operating institutions, including the lotus for China Construction Bank [6][8]. - The background features traditional decorative patterns such as phoenix and sheep horn motifs, enhancing the cultural aesthetic of the interface [9]. - A dynamic color-changing effect is embedded in the floral patterns, visible when the phone is shaken, showcasing a unified yet distinctive design across different operating institutions [10]. Group 3: Personalized Skin Functionality - The 2.0 version introduces a wallet skin setting feature, offering four thematic series: seasons, famous paintings, national style, and daily life, with a total of 16 skins available for user selection [11]. Group 4: Digital Renminbi App Overview - The digital renminbi App serves as the primary platform for personal users to manage digital renminbi assets, aggregating wallet access from various operating institutions for unified management [15]. - The app's core payment module adheres to unified standards while allowing differentiated services from various institutions, reflecting the dual-layer operational structure of the digital renminbi system [15].