Starting January 1, digital yuan wallets will begin accruing interest, marking a significant development in China's digital currency landscape. Unlike Ethereum's blockchain-based smart contracts, the digital yuan operates on a newly designed account system maintained by the central bank and commercial banks. This system allows for programmability through smart contracts that enable functions like targeted payments and automatic execution without affecting the currency's core functions. Only digital RMB wallets with real-name authentication (types one, two, and three) will accrue interest, while type four wallets, which lack real-name authentication, will not. Additionally, mobile banking services and payment platforms such as WeChat and Alipay will gradually gain permissions to open digital RMB wallets, expanding access to the digital currency.