TechFlow, December 29 — According to Caixin, digital yuan will undergo a major upgrade, with wallet balances earning interest starting January 1, 2026. Without changing the two-tier operational framework, digital yuan held by banking operators will move from off-balance-sheet to on-balance-sheet items, shifting from 100% reserve requirements to partial reserves; non-bank payment institutions will be required to maintain 100% margin for digital yuan. Banks will pay interest on customers' real-name digital yuan wallet balances, following self-discipline agreements on deposit interest rate pricing, and can independently manage assets and liabilities related to digital yuan wallet balances, with legal protection under deposit insurance providing security equivalent to that of deposits. For non-bank payment institutions, digital yuan margins are no different from customer reserve funds.
Risk Disclosure: This website's content is not investment advice and offers no trading guidance or related services. Per regulations from the PBOC and other authorities, users must be aware of virtual currency risks. Contact us / support@techflowpost.com ICP License: 琼ICP备2022009338号
