The Digital RMB 2.0 era is just around the corner. Is your wallet ready for this?

If you are still using traditional electronic payments, you might want to slow down and pay attention to a major change coming. Less than two days before January 1, 2026, the Digital Renminbi is about to complete its transformation from 1.0 to 2.0. This upgrade is not just a simple version update but a fundamental revolution that covers every corner of daily life.

Your idle funds can finally grow automatically

What is the most straightforward change? The balance in your Digital Renminbi real-name wallet will start earning interest automatically at a savings rate from 2026 onward. Think about it—previously, your cash and even Digital Renminbi 1.0 were “sleeping”—sitting there with no interest earned. This problem is thoroughly solved in the 2.0 era.

What’s more reassuring is that this money is now included in the deposit insurance protection system, with a maximum compensation limit of up to 500,000. From another perspective, those emergency funds and pocket money no longer need to be transferred into financial products; they can be kept in your wallet to achieve “payment and appreciation simultaneously.” You can pay anytime you need, and when not in use, it automatically earns interest. This is the true currency form that modern people need.

Cross-border spending finally no longer a headache over exchange rates

Have you ever been annoyed by complicated currency exchange processes when traveling abroad or shopping overseas? This pain point is also solved in the 2.0 era. Using Digital Renminbi for cross-border settlement can be completed in seconds, and transaction fees can be reduced by nearly 60%.

In fact, this mechanism has already been operating on the multilateral central bank digital currency bridge, handling nearly 400 billion in cross-border payments, with over 95% completed using Digital Renminbi. What does this indicate? It shows that this system has been fully validated, and its stability is unquestionable.

One-code access + smart automatic payments, life is now simplified

The most imaginative upgrade is here—the 2.0 era Digital Renminbi connects almost all common scenarios such as retail, healthcare, education, and government services, all with a single QR code to handle various payment needs.

Even more powerful is the addition of smart contract functionality. Utility bills can be automatically deducted, rent paid on schedule, and even wages for migrant workers can be directly deposited into personal accounts via smart contracts, thoroughly avoiding misappropriation risks. This is not just convenience but a fundamental protection of fund security. Additionally, funds from non-bank payment institutions are now subject to 100% collateral supervision, ensuring your money can no longer be diverted for other uses.

Time is tight, get ready now

The countdown has begun. If you want to seamlessly enjoy these new benefits starting January 1, 2026, now is the time to open the Digital Renminbi App and complete your real-name upgrade. Seize this window period to let your wallet enter the 2.0 era first and unlock smarter financial management and payment experiences.