自2026年1月1日起，中国将正式实施一项重要金融政策：数字人民币（e-CNY）钱包中的余额将按照存款利率计息。这意味着，用户存放在数字人民币钱包中的资金，将不再只是无息的电子现金，而是可享受与银行活期或定期存款类似的利息收益。这一政策由中国人民银行主导推动，旨在提升数字人民币的吸引力，增强其作为法定货币的储值功能，并进一步促进其在日常支付、储蓄乃至金融投资等场景中的广泛应用。计息方式将根据用户选择的钱包类型和资金存放期限有所不同。例如，一类钱包可能享有接近银行活期存款的利率，而长期锁定资金的特定钱包产品则可能提供更高收益。此举不仅有助于提高公众持有数字人民币的意愿，也有助于央行更精准地调控货币流通与金融稳定。同时，该政策也标志着数字人民币从‘支付工具’向‘综合金融载体’的重要转变，为未来构建更加高效、安全、普惠的数字金融体系奠定基础。
Starting January 1, 2026, China will implement a significant financial policy: balances held in digital RMB (e-CNY) wallets will earn interest at deposit rates. This means that funds stored in e-CNY wallets will no longer be non-interest-bearing electronic cash but will instead accrue interest similar to traditional bank demand or time deposits. The policy, led by the People’s Bank of China (PBOC), aims to enhance the appeal of digital RMB, strengthen its function as a store of value, and further promote its use across everyday payments, savings, and even investment scenarios.Interest rates will vary depending on the type of wallet users select and the duration of fund holdings. For instance, Tier-1 wallets may offer interest rates comparable to standard bank demand deposits, while specialized wallet products with locked-in terms could provide higher yields. This move is expected to boost public willingness to hold digital RMB and enable the central bank to manage money circulation and financial stability more precisely. Moreover, it marks a pivotal shift for digital RMB—from a mere payment instrument toward a comprehensive financial vehicle—laying the groundwork for a more efficient, secure, and inclusive digital financial ecosystem.
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