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Central Bank Digital Currency
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An In-Depth Analysis of the Digital Yuan (e-CNY): The Current Status and Development of China’s Legal Digital Currency
The Digital Yuan (e-CNY) is a legal tender digital currency issued by the People's Bank of China (PBOC). As a digital version of the yuan, it is primarily used as cash in circulation (M0). It employs a two-tier operational system, supports offline-to-offline payments and controlled anonymity, and aims to enhance financial inclusion, improve payment efficiency, and promote the internationalization of the yuan.As of the end of November 2025, the cumulative transaction volume of the digital yuan had reached 16.7 trillion yuan. It has been extensively piloted in 17 provinces and municipalities across the country, gradually integrating into daily economic life, and in early 2026, it entered the era of interest-bearing “digital deposit currency.”
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An In-Depth Analysis of the Digital Yuan (e-CNY): The Current Status and Development of China’s Legal Digital Currency
The Digital Yuan (e-CNY) is a legal tender digital currency issued by the People's Bank of China (PBOC). As a digital version of the yuan, it is primarily used as cash in circulation (M0). It employs a two-tier operational system, supports offline-to-offline payments and controlled anonymity, and aims to enhance financial inclusion, improve payment efficiency, and promote the internationalization of the yuan.As of the end of November 2025, the cumulative transaction volume of the digital yuan had reached 16.7 trillion yuan. It has been extensively piloted in 17 provinces and municipalities across the country, gradually integrating into daily economic life, and in early 2026, it entered the era of interest-bearing “digital deposit currency.”
Central Bank Digital Currency
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