数字人民币2.0来了！钱包余额能生息，绿色出行可变现

Core Viewpoint - The article discusses the significant upgrade of the digital RMB to version 2.0, which introduces interest-bearing wallets and integrates carbon credits into the digital currency ecosystem, enhancing its functionality and appeal to users [3][5]. Group 1: Digital RMB 2.0 Features - The digital RMB now allows wallet balances to earn interest, aligning them with the characteristics of demand deposits, which enhances the currency's monetary functions [5]. - The digital RMB wallet is categorized into four types based on user authentication, with only real-name wallets eligible for interest, reflecting a principle of rights and responsibilities [6]. - The upgrade aims to address previous concerns about financial disintermediation by allowing commercial banks to manage digital RMB as assets and liabilities, transforming them from cost centers to profit centers [5][6]. Group 2: Ecosystem and Application Expansion - The digital RMB ecosystem is expanding, with a growing number of application scenarios, including online retail, public transportation, and government payments, leading to a cumulative transaction amount of 19.5 trillion yuan by the end of 2025 [8]. - Future developments may include diverse financial products such as deposits and loans, moving beyond payment functions to enhance user convenience and financial service richness [9]. - The digital RMB is expected to improve payment efficiency for enterprises through a technological framework that enables automatic fund transfers and condition-based payments, thereby reducing operational risks and costs [9].