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Digital yuan architecture: Report outlines central bank services and contract principles

A report dated October 22 describes eight core services in the central bank’s digital renminbi system: interinstitutional payment and settlement, unified liquidity management, issuance management, a smart contract ecosystem service framework, digital renminbi assets, unified wallet management, unified data, and intelligent risk controls. It describes the architecture as digital, interconnected, economical, highly productive, and quick to develop.

According to the report, the smart contract framework is based on five principles: standardization, mandatory automated execution, accessibility, rule-based operation, and trustworthiness. It mentions security protections and verification and tracking mechanisms to make execution and its outcomes verifiable. These are reported functions and design principles, not independently measured performance results. The account does not announce a new investment token, a public launch date, or guaranteed returns for users.

2026-10-22 07:07 UTC

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