自2024年1月1日起，数字人民币（e-CNY）将正式对部分钱包账户计付利息，标志着其功能与传统银行存款进一步接轨。这一升级由中国人民银行主导，旨在提升数字人民币的吸引力和使用率，同时增强其作为法定数字货币的金融属性。根据官方说明，计息主要适用于一类和二类实名制数字人民币钱包，利率水平参照同期银行活期存款利率执行，具体由运营机构如工商银行、建设银行等在央行指导下设定。用户无需额外操作，系统将自动按日计息、按季结息。此举不仅有助于鼓励公众长期持有数字人民币，也有助于推动其在零售支付、财政补贴、工资发放等场景中的深度应用。此外，计息机制的引入还强化了数字人民币与第三方支付工具（如支付宝、微信支付）的差异化竞争，凸显其“准现金+准存款”的双重特性。需要注意的是，并非所有数字人民币钱包都参与计息。匿名或低等级钱包（如三类、四类）因未完成充分身份认证，暂不享受利息收益。未来，随着试点范围扩大和技术完善，计息政策或将进一步优化，为构建更加高效、安全的数字金融基础设施提供支撑。
Starting January 1, 2024, China’s digital yuan (e-CNY) will begin accruing interest on certain wallet accounts, marking a significant step toward aligning its functionality with traditional bank deposits. This upgrade, led by the People’s Bank of China (PBOC), aims to enhance the appeal and adoption of e-CNY while reinforcing its role as a legal tender with expanded financial attributes.According to official guidelines, interest will apply primarily to Tier-1 and Tier-2 verified e-CNY wallets, with rates benchmarked against prevailing bank demand deposit rates. Major state-owned banks such as ICBC and CCB will set specific rates under PBOC supervision. Interest will be calculated daily and credited quarterly—automatically, without requiring user action.This move not only incentivizes users to hold e-CNY over longer periods but also promotes its deeper integration into everyday scenarios like retail payments, government subsidies, and salary disbursements. Moreover, the introduction of interest helps differentiate e-CNY from third-party payment platforms like Alipay and WeChat Pay, highlighting its dual nature as both ‘quasi-cash’ and ‘quasi-deposit.’It should be noted that not all e-CNY wallets qualify for interest. Anonymous or lower-tier wallets (e.g., Tier-3 and Tier-4), which lack full identity verification, are currently excluded. As pilot programs expand and technology matures, the interest policy may be further refined to support a more efficient and secure digital financial infrastructure.
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