Starting January 1, 2026, the digital yuan will introduce a new scheme allowing interest on wallet balances. Under this initiative, bank-issued digital yuan will transition to on-balance sheet management, with reserve requirements reduced from 100% to a partial amount. However, non-bank institutions are required to maintain full 100% reserves. Real-name digital yuan wallets will be eligible to earn interest, with these deposits covered by deposit insurance. Banks participating in this scheme must adhere to deposit rate self-discipline agreements, ensuring compliance with regulatory standards.