Techub News reports that, according to 21 Financial, six major state-owned banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank—will start from January 1, 2026, pay interest on the balances of digital RMB real-name wallets opened by customers at these banks based on each bank's current deposit rate for demand deposits. The interest calculation rules will be the same as those for demand deposits. Bank of Communications stated that if a customer's digital RMB wallet is a type 4 personal wallet, then the balance within the wallet will not accrue interest.

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