数字人民币有利息了

Core Viewpoint - The introduction of interest on digital renminbi by the People's Bank of China marks a significant development in the digital currency landscape, enhancing its appeal and functionality for users [2][9]. Group 1: What is Digital Renminbi? - Digital renminbi is a legal digital currency issued by the People's Bank of China, operating under a dual-layer system where the central bank issues it to operational institutions, which then distribute it to the public, eliminating speculation opportunities [4]. Group 2: How to Obtain and Use Digital Renminbi? - Users can access digital renminbi by selecting a designated operational institution through the digital renminbi app or directly via the China Construction Bank mobile banking app, where they can open and use a digital renminbi wallet [6][7]. Group 3: Interest on Digital Renminbi - Starting from January 1, 2026, China Construction Bank will pay interest on the balance of digital renminbi wallets at the bank's current deposit rate, with interest calculated quarterly based on the balance as of the last interest payment date [9]. - Interest payment dates are set for March 20, June 20, September 20, and December 20 each year, and users can check their interest amounts in the digital renminbi app or the bank's mobile app after these dates [9][10].