近日，数字人民币App正式上线“碳普惠”服务，标志着我国在推动绿色金融与数字支付融合方面迈出重要一步。该服务由中国人民银行指导，多家运营机构联合推出，旨在通过数字人民币的可追溯、可编程特性，激励公众践行低碳生活方式。用户在使用数字人民币进行绿色出行、线上缴费、二手交易等低碳行为时，系统将自动记录并转换为“碳积分”。这些积分可在App内兑换绿色商品、优惠券或参与公益植树等活动，形成“行为—积分—激励”的良性循环。此外，碳普惠数据还将接入地方碳账户体系，为未来个人碳资产管理和碳交易奠定基础。数字人民币的底层技术保障了碳数据的真实性和不可篡改性，有效避免传统碳积分体系中存在的重复计算或虚假申报问题。此举不仅提升了公众参与环保的积极性，也为国家“双碳”目标（碳达峰、碳中和）提供了创新工具。未来，随着应用场景不断拓展，碳普惠有望成为连接数字经济与绿色发展的关键纽带。
Recently, the Digital RMB App officially launched its ‘Carbon Inclusion’ service, marking a significant step in integrating green finance with digital payments in China. Guided by the People’s Bank of China and jointly developed by multiple operating institutions, this service leverages the traceable and programmable features of digital RMB to incentivize individuals to adopt low-carbon lifestyles.When users engage in eco-friendly activities—such as using public transportation, paying bills online, or participating in second-hand transactions—via the Digital RMB App, their actions are automatically recorded and converted into ‘carbon credits.’ These credits can be redeemed for green products, discounts, or used to support public welfare initiatives like tree planting, creating a positive feedback loop of ‘action → credit → reward.’ Moreover, the carbon data will be integrated into local carbon account systems, laying the groundwork for future personal carbon asset management and trading.The underlying technology of digital RMB ensures the authenticity and immutability of carbon-related data, effectively addressing issues like double-counting or fraudulent claims common in traditional carbon credit programs. This initiative not only boosts public engagement in environmental protection but also provides an innovative tool to support China’s dual carbon goals—carbon peaking and carbon neutrality. As use cases expand, Carbon Inclusion is poised to become a vital bridge between the digital economy and sustainable development.
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