According to Deep Chao TechFlow, on January 1st, as reported by 21st Century Business Herald, six major state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China—have successively announced that starting from January 1, 2026, they will pay interest on the balance of customers' digital yuan real-name wallets opened at these banks based on the listed interest rate for demand deposits, with interest calculation and settlement rules consistent with those for demand deposits. However, Bank of Communications stated that if a customer opens a digital yuan wallet as a fourth-category personal wallet, the balance in the wallet will not accrue interest.
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