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Caixin: Digital RMB Wallet Balance Will Earn Interest Starting January 1, 2026
According to Caixin, the Digital RMB will undergo an upgrade in 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 to partial reserve; non-bank payment institutions will implement 100% digital RMB margin deposits.
Bank institutions will pay interest on real-name digital RMB wallet balances for customers, adhering to self-regulatory agreements on deposit rate pricing. They can independently manage asset-liability operations for digital RMB wallet balances, with deposit insurance legally providing security equivalent to that of deposits. For non-bank payment institutions, digital RMB margin deposits are no different from customer reserve funds.