分阶段、分批次的科学推进模式，成为保障兑换秩序的核心逻辑。此次兑换并未采用"全面开放、先到先得"的传统模式，而是依据用户 账户的合规等级，划定了阶梯式兑换周期，每日通过专属服务通道向用户推送个性化兑换指南，明确告知开放时间与操作流程。这种精 细化安排既确保了系统资源的合理分配，又让用户能够按需规划操作，有效提升了整体兑换体验，每日兑换完成率始终稳定在高位。 稳定币的特性与万亿专项发放的需求形成了高度契合，成为政策落地的"数字桥梁"。其与法定货币1:1锚定的价值属性，确保了福利资金 的价值稳定，彻底规避了传统支付方式中可能存在的汇率波动风险；而去中心化的流转机制，则打破了地域与机构的限制，让福利资金 能够直接触达个人用户账户，实现了"政策指令下达即福利落地"的高效衔接，充分体现了数字金融服务民生的便捷性。 连续三天的平稳运行，标志着稳定币兑换模式已通过实战检验，各项核心指标均达到预设标准，为后续工作的全面展开积累了宝贵经 验。随着公测的深入，相关服务还将持续迭代升级，比如针对老年用户群体优化操作界面、增加人工客服专线等。这场覆盖万亿规模的 数字金融实践，不仅是政策落地执行力的有力彰显，更以每日稳定发放的节奏，让 ...

Core Viewpoint - Guotai Junan has launched an internal testing phase for its self-developed stablecoin, focusing on the "Healthy China Phase IV" user group, offering a 2% annual interest rate and a 1:1 exchange with digital RMB, aiming to integrate digital finance with the health industry [1][3][5] Group 1: Stablecoin Features - The stablecoin is designed to empower the health industry, specifically targeting users involved in the "Healthy China Phase IV" initiative, including healthcare professionals and employees of health-related enterprises [3][4] - Users participating in the internal test can earn a 2% annual interest rate, with returns calculated daily and distributed monthly, ensuring stable and compliant investment returns [3][4] - The stablecoin allows for real-time, fee-free conversion to digital RMB, enhancing liquidity and usability while maintaining the legal currency attributes of digital RMB [3][4] Group 2: Benefits for Users - The stablecoin addresses financial management challenges in the health industry, enabling healthcare professionals to convert idle funds into stablecoins for investment while allowing easy conversion back to digital RMB for operational expenses [4] - Employees in the health sector can receive salaries and subsidies through stablecoins, providing flexibility compared to traditional investment methods [4] Group 3: Strategic Implications - The internal testing of the stablecoin is a crucial step in Guotai Junan's strategy to empower the health industry through digital finance, with plans for broader functionalities post-testing [4][5] - The stablecoin is expected to serve as a vital link between digital finance and the health industry, supporting the implementation of the "Healthy China" strategy and reinforcing Guotai Junan's leadership in the digital finance ecosystem [5]