The People's Bank of China (PBOC) plans to integrate approximately 12 additional commercial banks into the digital yuan system, enhancing its operational scope. This expansion will enable these banks to manage functions such as wallet opening, exchange, and payment processing, alongside daily operations and maintenance. Currently, 10 banks, including the six major state-owned banks, are part of the system. The digital yuan operates under a "centralized PBOC + commercial bank two-tier operation" model, where the PBOC oversees issuance and system supervision, while commercial banks handle front-end services and compliance. As the digital yuan evolves from "digital cash" to "digital deposit currency," commercial banks' participation is expected to grow, broadening the currency's application scenarios and institutional coverage.