TechFlow news, January 3rd, Hong Kong media Ta Kung Pao published an article titled "Interest-Bearing Digital Yuan Empowers Hong Kong's Financial Innovation," which pointed out that the balance in digital yuan wallets will accrue interest starting from January 1, 2026, marking the entry into the era of "Digital Deposit Currency 2.0." Digital Yuan 2.0 has restructured the monetary creditor-debtor relationship through institutional innovation, somewhat similar to tokenized deposits promoted by commercial banks (such as JPMorgan's JPM Coin), but it creates a new hybrid form: absorbing the efficiency of tokenized deposits while maintaining sovereign currency credit at its core. The interest-bearing feature enhances the credit appeal of the digital yuan as a currency for issuing and settling tokenized assets in Hong Kong. After becoming interest-bearing, the digital yuan possesses attributes that allow it to compete with Hong Kong's offshore yuan deposits.
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