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Liam Zhang

PBOC Sets 2026 Start Date for Paying Interest on Real-Name Digital RMB Wallets

China's central bank has announced an action plan that will take effect on January 1, 2026, allowing commercial banks to pay interest on balances held in real-name digital RMB wallets. The framework also confirms that deposit insurance will cover these digital RMB holdings, further aligning the currency with traditional bank deposits. Analysts suggest this interest-bearing structure could strengthen integration of the digital RMB into China's banking system and influence global CBDC development.
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