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#China Adds Interest Payments to #DigitalYuan Wallets
China's central bank will allow commercial banks to pay interest on digital yuan holdings starting Jan. 1, 2026. The People's Bank of China (PBOC) described this as shifting the currency from digital cash to "digital deposit currency" in a Monday announcement.
Lu Lei, a deputy governor at the central bank, said the adjustment follows 10 years of testing. Banks will manage digital yuan as part of their standard asset-liability operations under the updated framework.
Verified wallets will earn interest matching existing deposit pricing agreements. Balances receive the same protection as traditional deposits under China's insurance system, with non-bank payment institutions maintaining a 100% reserve ratio on digital yuan funds.
The PBOC handled 3.48 billion #digital yuan transactions worth 16.7 trillion yuan ($2.38 trillion) through November 2025. The central bank created the RMB International Operations Center in Shanghai last September to build #blockchain settlement infrastructure and crosschain transfer systems.
