The Hong Kong Monetary Authority (HKMA) plans to extend the Digital HKD to individual users by early 2026. According to the 'Digital HKD Pilot Phase Two Report', the project has progressed with 11 pilot groups focusing on tokenized asset settlement, programmable payments, and offline payments. The HKMA aims to complete the necessary technical, legal, and commercial preparations to facilitate broader public and business use of the digital currency.