Caixin: Starting January 1, 2026, Interest Can Be Earned on Digital RMB Wallet Balance

BlockBeats News, December 29th, according to Caixin, the digital RMB will undergo a solution upgrade. Starting January 1, 2026, wallet balances will earn interest. Without changing the two-tier operational framework, bank-operated digital RMB will move from off-balance sheet to on-balance sheet, transitioning from 100% reserve to partial reserve; non-bank payment institutions will implement a 100% digital RMB reserve requirement. Bank institutions will pay interest on customers' real-name digital RMB wallet balances, complying with deposit interest rate pricing self-discipline agreements. They can autonomously conduct asset and liability management on digital RMB wallet balances and receive security protection equivalent to deposits provided by deposit insurance under the law. For non-bank payment institutions, the digital RMB reserve requirement is no different from customer prepayment funds held by non-bank payment institutions.