Core Viewpoint - The recent update of the digital RMB App to version 1.2 focuses on enhancing user experience through improved functionality and wallet management, reflecting a commitment to continuous iteration and innovation in digital currency services [1][2][3]. User Experience Enhancement - Since its launch in January 2022, the digital RMB App has undergone 45 updates, maintaining an average monthly iteration to enhance its diverse and intelligent service system [2]. - The latest version features a redesigned homepage layout, moving frequently used functions like "Deposit to Bank" to a more accessible position, thereby improving user operation efficiency and convenience [2][3]. Multi-Wallet Management - Users currently average 1.6 wallets per account, indicating a trend towards multiple wallet ownership driven by the dual-layer operational system of digital RMB [3]. - The dual-layer system, involving the central bank and operational institutions, fosters a competitive environment that encourages innovation and diverse product offerings [3][4]. Hard Wallet Applications - The digital RMB hard wallet is gaining popularity due to its low entry barriers and wide applicability, especially among tourists, the elderly, and students [5][6]. - Recent updates have optimized the hard wallet cancellation process, allowing users to remove wallets even if they are lost or damaged, enhancing user experience [5]. Expanding Application Scenarios - The hard wallet is being integrated into various daily life scenarios, such as public transportation and educational institutions, facilitating seamless transactions [6]. - Future enhancements will include support for tax refunds for outbound tourists, further broadening the hard wallet's usability [6]. Legal and Support Framework - The digital RMB App serves as a unified platform for managing digital currency assets, distinguishing itself from other payment products by offering standardized payment modules and personalized services [7]. - There is a call for increased support and legal protections for digital RMB to stimulate its development potential and ensure compliance with existing financial regulations [8][9].