（编辑 袁冠琳） 证券日报网讯 新开普7月30日在互动平台回答投资者提问时表示，公司卡位场景支付入口，目前在数字 人民币业务上，具备了充值、缴费、消费等系列化应用技术能力，且在50余个校园、企业等客户中，落 地了业务场景，公司在数字人民币业务研发中，充分应用国产密码算法、二维码双离线支付交易机制、 移动支付NFC-SWP、黑名单安全机制、区块链等技术，在这项业务探索上积累较多经验。未来，在高 校、企业等场景中出现对稳定币业务的实际需求，在符合国家规范和监管要求的前提下，公司将结合在 数字人民币领域的现有业务布局，积极探索与银行及学校合作的可能性，提供安全、高效、便捷的支付 解决方案。 ...

新开普（300248.SZ）7月30日在投资者互动平台表示，公司卡位场景支付入口，目前在数字人民币业务 上，具备了充值、缴费、消费等系列化应用技术能力，且在50余个校园、企业等客户中，落地了业务场 景，公司在数字人民币业务研发中，充分应用国产密码算法、二维码双离线支付交易机制、移动支付 NFC-SWP、黑名单安全机制、区块链等技术，在这项业务探索上积累较多经验。未来，在高校、企业 等场景中出现对稳定币业务的实际需求，在符合国家规范和监管要求的前提下，公司将结合在数字人民 币领域的现有业务布局，积极探索与银行及学校合作的可能性，提供安全、高效、便捷的支付解决方 案。 （文章来源：每日经济新闻） 每经AI快讯，有投资者在投资者互动平台提问：公司现有技术能运用到稳定币上吗？ ...

Group 1 - The company has developed a range of application technologies for digital RMB, including charging, payment, and consumption, and has implemented these in over 50 campuses and enterprises [1] - The company utilizes domestic cryptographic algorithms, QR code dual offline payment transaction mechanisms, mobile payment NFC-SWP, blacklist security mechanisms, and blockchain technology in its digital RMB business [1] - The company is exploring potential demand for stablecoin services in educational and corporate settings, aiming to provide secure, efficient, and convenient payment solutions in compliance with national regulations [1]

证券日报网讯金一文化（002721）7月29日在互动平台回答投资者提问时表示，公司子公司开科唯识已 与部分银行合作了数字人民币产品，开科唯识也中标了一些AI大模型相关项目，正开发软件交付结合 AI技术的智能体，应用于智能营销、财富管理、智能投顾及智能客服等领域，但目前总体规模体量较 小。有关公司信息请以公司在指定信息披露媒体披露的公告为准。公司提醒广大投资者理性决策，审慎 投资，注意相关风险。 ...

Core Insights - The company is focused on long-term development in the field of social data services, leveraging its experience in social security card and human resources operations to create a data operation ecosystem centered around people [1][4] - The company is actively collaborating with local governments and enterprises to enhance data asset management and has signed contracts for data service operations with Guangzhou Data Exchange [1][4] - In the AI application sector, the company is developing AI Agents for key areas such as government services, employment, and public welfare, achieving significant improvements in service efficiency [2][4] Data Operations and Collaborations - The company has established partnerships with multiple data exchanges to build data service zones, facilitating the assetization of data and its lifecycle management [1] - It is a member of a consortium for comprehensive data asset management in Guangxi, promoting standardization and regulation of local data assets [1] - The company is involved in drafting cross-border data management standards and has achieved ISO 55013 certification for data asset management, enhancing its data management capabilities [1] AI Applications and Innovations - The company has developed a vertical government model that incorporates service data from over 100 cities, aiming to create a "digital civil servant" model for intelligent interactions in various public service scenarios [2] - In Dongguan, the company upgraded the local social security system to a new intelligent customer service model, achieving an accuracy rate of over 97% in government Q&A [2] - The company is exploring innovative applications of digital currency in public welfare, having completed a sample card for a digital RMB hardware wallet [2] Future Outlook - The company plans to strengthen the synergy between AI government services and data operations, further exploring applications of RWA and digital RMB to enhance public service efficiency [3][4] - It aims to collaborate with local governments and industry partners to integrate public data and services, creating a new paradigm for intelligent public services [3][4]

Core Viewpoint - The continuous updates and optimizations of the digital RMB app indicate a strong push towards enhancing user experience and promoting the adoption of digital currency in the market [5][6][7]. Group 1: App Updates and Features - The digital RMB app has been updated to version 1.2.2, improving the bank card binding process and enabling one-click login [3][4]. - The app now supports binding bank cards from 81 banks, with 27 banks offering a feature that allows users to bind cards without entering card numbers [3]. - Users can add up to four high-frequency functions to their phone's home screen, including payment codes and cash red envelopes, enhancing convenience [4]. Group 2: Consumer Engagement and Marketing - The app's updates include features that allow merchants to display promotional activities, enhancing the marketing capabilities of the payment system [6][7]. - Various promotional activities, such as consumption coupons and cash red envelopes, have been launched to stimulate consumer spending [6][7]. - The integration of merchant-side discounts and promotions into the app's payment interface aims to improve user engagement and drive usage [6][7]. Group 3: Market Impact and Adoption - The digital RMB app's continuous updates reflect a market-oriented approach, enhancing user stickiness and facilitating broader adoption of digital currency [5][7]. - Data from various regions show significant growth in the number of digital RMB wallets and transaction volumes, indicating a positive trend in consumer adoption [8]. - The app's role as a unified entry point for managing digital RMB assets is crucial for enhancing user experience and promoting widespread use [4][7]. Group 4: Cross-Border and Trade Applications - The digital RMB is being explored for use in cross-border and offshore trade settlements, which could lower costs and improve transaction efficiency [9][10]. - The integration of digital RMB in border trade scenarios is being actively pursued, with new regulations being introduced to facilitate its use [8][9]. - The potential for digital RMB to enhance transparency and security in transactions is expected to drive its adoption in international trade [9][10].

Core Insights - The central economic work conference emphasizes boosting consumption as a key task for the year, highlighting the importance of digital currency in enhancing payment convenience and supporting domestic demand [1][11]. Group 1: Digital Currency App Enhancements - The digital currency app has undergone continuous iterations since its launch in 2022, focusing on improving user experience and simplifying payment processes [2][10]. - Recent updates include an optimized bank card binding process, allowing users to link cards from 81 banks, with 27 banks offering a no-input card number feature [2][4]. - A "one-click login" feature has been introduced, enabling users to log in using their mobile number without entering a password or verification code [2][10]. Group 2: Desktop Widget Features - The app now includes a desktop widget that allows users to access frequently used functions such as payment codes and QR scanning directly from their home screen [4][6]. - Users can customize the widget's appearance with various themes, enhancing both functionality and aesthetic appeal [7][10]. Group 3: Consumer Incentives and Marketing - The government and market institutions continue to issue digital currency consumption red envelopes to stimulate consumer spending, aligning with national policies to enhance consumption mechanisms [11][13]. - The app's recent updates improve its marketing capabilities, allowing for a wider range of merchant discounts and promotional activities, enhancing consumer engagement [11][13]. - Digital currency subsidies are reported to effectively boost social consumption and local economic development, with smart contracts ensuring direct and efficient fund distribution [13][14].

Group 1 - The core viewpoint of the article emphasizes the continuous optimization of the digital RMB App to enhance payment convenience and support domestic demand and people's livelihood [1] - The latest version of the digital RMB App has improved the bank card binding process, allowing users to bind cards from 81 banks, with 27 banks offering a no-input card number feature [3] - The introduction of a one-click login feature simplifies the login process by allowing users to log in using their mobile number without entering a password or verification code [3] Group 2 - The digital RMB App has launched a desktop widget that enables users to quickly access frequently used functions such as payment codes and QR code scanning directly from their phone's home screen [3] - The optimization of consumption red envelopes and marketing activities within the digital RMB App enhances payment marketing capabilities, allowing for merchant-side discounts and various promotional offers [5] - The digital RMB consumption subsidy activities are effectively stimulating social consumption and local economic development, with smart contracts ensuring direct fund transfers to individuals or businesses, improving efficiency and security [5]

Group 1 - The digital RMB app has recently optimized its features to enhance payment convenience, including improvements in the bank card binding process and the introduction of a one-click login feature [1] - The app now supports binding bank cards from 81 banks, with 27 banks offering a no-card-number input option, making the binding process more user-friendly [1] - A desktop widget feature has been launched, allowing users to quickly access frequently used functions such as payment codes and cash red envelopes directly from their phone's home screen [1] Group 2 - The digital RMB app serves as a unified entry point for managing and viewing all digital RMB assets, distinguishing it from other payment products [2] - The user experience for consumption red envelopes has been enhanced, with a clearer display of marketing discount categories in the app's cash register interface [2] - Local governments and market institutions have been actively issuing digital RMB consumption red envelopes, integrating digital financial innovation with public welfare policies [2] Group 3 - The digital RMB consumption subsidy activities have effectively stimulated social consumption and contributed positively to local economic development [3] - The use of smart contracts in digital RMB subsidies ensures that funds reach individuals or businesses directly, improving efficiency and security in fund circulation [3] - There is potential for further expanding the application scenarios of digital RMB in the consumption sector, leveraging smart contract technology to introduce more consumer incentive measures [3]

Core Viewpoint - The 2025 World Artificial Intelligence Conference and the High-Level Meeting on Global Governance of Artificial Intelligence opened in Shanghai, showcasing the role of Bank of Communications in utilizing AI and digital technologies to support the real economy and contribute to Shanghai's development as a global financial center [1] Group 1: Exhibition Highlights - The Bank of Communications' exhibition featured unique areas such as the "Five Major Articles of Finance," Shanghai's main stage, digital employees, and cloud banking, allowing visitors to experience new banking service models through immersive interactions [3] - Cutting-edge technologies like generative models and blockchain were presented, demonstrating innovations in the financial sector that enhance service accessibility, convenience, and security [3] - The "Five Major Articles of Finance" area illustrated the bank's innovative practices in empowering national strategies and facilitating the construction of Shanghai's five centers [4] Group 2: Technological Innovations - The bank has developed a smart shipping trade blockchain ecosystem that integrates customs, insurance, logistics, and tax data, creating multiple AI application scenarios for financing and trade [4] - A dedicated brand "Jiao Zheng Tong" was launched to streamline government services across various sectors, promoting the integration of smart finance and digital governance [4] - The digital employee and cloud banking sections showcased innovations in remote financial services, utilizing audio-visual and AI technologies to enhance service delivery and customer experience [4] Group 3: Forum and Collaboration - The bank will host a forum titled "Intelligent Drive, Co-creation and Win-win: AI + Finance Empowering High-Quality Development," in collaboration with China UnionPay, Fudan University, and the Shanghai Financial Technology Industry Alliance [5] - The forum aims to discuss how the financial industry can leverage AI technology to improve efficiency and support industrial innovation, featuring expert speeches and the launch of new smart products [5] - The event will also include signing agreements for cooperation in national AI application pilot bases and financial large model initiatives [5]