DeFi Intel

Digital yuan morphs from CBDC into digital bank deposits to rival stablecoins

The retail digital yuan is no longer a central bank digital currency.

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Under the January 1, 2026 'version 2.0' overhaul, retail e-CNY balances became interest-bearing, deposit-insured commercial-bank liabilities — a global first for a CBDC project — repositioning it against tokenized deposits and stablecoins.

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