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Caixin: Digital RMB wallet balances will accrue interest starting January 1, 2026
On December 29, Caixin reported that the Digital RMB will undergo an upgrade to its scheme. Starting January 1, 2026, wallet balances will accrue interest. Without changing the dual-layer operational structure, digital RMB operated by banking institutions will move from off-balance sheet to on-balance sheet, shifting from 100% reserve requirements to partial reserves; non-bank payment institutions will implement 100% digital RMB margin deposits. Banking institutions will pay interest on real-name digital RMB wallet balances for customers, adhere to self-regulatory pricing agreements for deposit interest rates, and independently manage asset-liability operations for digital RMB wallet balances. Deposit insurance will lawfully provide security equivalent to that of deposits. For non-bank payment institutions, digital RMB margins are indistinguishable from customer reserve funds.