Caixin: Starting January 1, 2026, Digital RMB Wallet Balances Can Earn Interest

By: theblockbeats.news|2025/12/29 12:26:01

BlockBeats News, December 29th, according to Caixin, the digital renminbi will undergo a program upgrade. Starting January 1, 2026, wallet balances will be interest-bearing. Without changing the dual-layer operational structure, bank-operated digital renminbi will move from off-bank balance sheets to on-bank balance sheets, transitioning from 100% reserve requirement to partial reserve requirement. Non-bank payment institutions will implement a 100% reserve requirement for digital renminbi. Bank institutions will pay interest on customers' real-name digital renminbi wallet balances, complying with the deposit interest rate pricing self-discipline agreement. They can autonomously manage the asset-liability of digital renminbi wallet balances and receive the same level of security protection as deposits from deposit insurance as required by law. For non-bank payment institutions, the digital renminbi reserve requirement is no different from customer reserves for non-bank payment institutions.

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