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20 USDT
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Caixin: Digital RMB wallet balances will accrue interest starting January 1, 2026
BlockBeats News, December 29 — According to Caixin, the digital renminbi will undergo an upgrade to its scheme. Starting January 1, 2026, wallet balances will accrue interest. Without changing the dual-layer operational structure, digital renminbi operated by banking institutions will move from off-balance sheet to on-balance sheet, shifting from 100% reserve to partial reserve; non-bank payment institutions will implement 100% digital renminbi margin. Banking institutions will pay interest on real-name digital renminbi wallet balances, adhere to self-regulatory deposit rate pricing agreements, and independently manage asset-liability operations for digital renminbi wallet balances. Deposit insurance will lawfully provide security equivalent to that of deposits. For non-bank payment institutions, digital renminbi margins are no different from non-bank payment institution customer reserve funds.