Unfortunately, the digital renminbi in China is not a stablecoin. The payment of interest is due to the very low usage rate of the digital renminbi to date. If I remember correctly, holding digital renminbi used to yield no interest at all, even the digital renminbi in banks did not earn interest.

On the contrary, the renminbi held in banks does earn interest, and not only that, but renminbi in payment channels like WeChat and Alipay can also earn interest, which leads to the awkward situation of the digital renminbi.

Starting from January 1, 2026, commercial banks will pay interest based on the balance of digital renminbi held by users. It is important to clarify that this is the "subsidized interest" from the commercial banks themselves, not interest issued by the central bank. I even suspect that the interest on digital renminbi is lower than that of demand deposits.

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