记者在昨天（2月2日）召开的全市金融业高质量发展工作推进会上了解到，2025年，苏州数字人民 币工作继续领跑全国，全年交易金额达6万亿元，累计交易金额突破12.9万亿元，继续保持全国领先。 去年，全市数字人民币用户与商户生态持续扩容，全市开立数字人民币个人钱包3200万个、对公钱 包110万个，累计落地场景129万个，受理商户总量超74.5万家；"预付卡资金监管平台"入驻商户超2000 家，上架商家产品近7000款，资金监管规模突破1亿元。各项业务指标均呈现稳步攀升、良性发展的态 势。 数据显示，2025年，苏州新增落地特色创新场景46个，其中全国首创21个、全省首创11个。同时， 数字人民币跨境支付应用进一步强化，累计开展货币桥业务257笔、金额118.95亿元，占比超过全省一 半。同时，智能合约技术应用进一步深化，去年，苏州在预付资金监管、定向支付、供应链金融等重点 领域落地10项可推广、有价值的特色应用，其中两项入选全省赋能"金融五篇大文章"典型案例，落地全 国首个双向智能合约光伏结算场景，打造全国首个智能合约薪资结算解决方案等。此外，硬钱包应用生 态建设也持续优化，累计发放硬钱包10.57万个，发布" ...

Core Insights - The "Guangxin Pre" prepaid fund supervision platform was launched on October 11, with strategic agreements signed with six industry regulatory departments in Guangzhou [1][4] - The platform currently has 209 merchants registered, covering various aspects of daily consumer spending [1] Group 1: Platform Features - The platform allows consumers to purchase prepaid products such as annual cards and multiple-use cards through real-name authentication [1] - It utilizes the digital RMB management template from the People's Bank of China, implementing smart contract technology for real-time clearing of prepaid funds [4] Group 2: Collaboration and Ecosystem - "Guangxin Pre" aims to create a collaborative governance ecosystem involving government, banks, enterprises, and citizens [4] - The platform has established communication mechanisms with various industry regulatory departments and has partnered with over ten financial institutions, including Agricultural Bank of China and China Construction Bank [4] Group 3: Application Areas - The platform is expanding its application in key sectors such as childcare, vocational training, elderly care, retail dining, cultural tourism, gas stations, and sports fitness [4]

那么，数字人民币对普通百姓来说有什么好处呢？ 首先，用数字人民币能"救急"且更方便。您是不是遇到过这样的尴尬：到了地铁闸机口，手机却因没电 不能扫码进站；大热天去便利店买水，手机突然自动关机；眼瞅着要迟到，却因手机没电付不了停车 费……这些烦恼，数字人民币的无网无电支付功能都能解决。用户在手机关机的情况下，仍然能用手机 "碰一碰" 收款终端完成支付。用户只要在数字人民币App中开通"无网无电支付"功能，并设置好关机后 可支付次数和单笔小额免密额度就行。 当然，也有网友担忧："方便是方便，那是不是很容易被盗刷？有人带着机具身边一过，钱会不会就没 了？"还有人问："别人捡到我的手机是不是可以随便花钱？" 从身边一过，就完成了支付，数字人民币可以在无网无电的状态下支付，虽说是方便了，但安全吗？ 其次，数字人民币还能成为你的"资金安全守护锁"。记者身边不少朋友都有这样的经历，办了健身卡、 美容卡，结果商家突然跑路，充的钱打了水漂。现在，数字人民币带来了救星——"元管家"。它就像预 付资金的"超级保镖"，专门守护你的钱包安全。简单来说，"元管家"用的是智能合约技术。这就好比给 你的预付资金上了双重保险，第一重，每笔钱都 ...

Core Viewpoint - The "Guangxin Yu" platform for digital RMB prepayment consumption guarantee service was launched, marking a collaboration between Guangzhou Digital Technology Group and state-owned banks to explore new applications of digital RMB in the prepaid consumption sector [1] Group 1: Platform Overview - The "Guangxin Yu" platform is developed and operated by Guangzhou Digital Technology Group, utilizing the digital RMB APP "Yuan Manager" template provided by the People's Bank of China [1] - The platform employs digital RMB smart contract technology to create a closed-loop management mechanism for prepaid funds, performance behavior, and payment settlement [1] Group 2: Strategic Partnerships - Strategic agreements were signed with Agricultural Bank of China and China Construction Bank to jointly explore new models for the application of digital RMB in the prepaid consumption field [1]