Core Viewpoint - The collaboration between Chongqing Anti-Fraud Center and Du Xiaoman introduces an innovative "Tech Anti-Fraud" campaign, featuring the first digital anti-fraud song, marking a significant integration of AI technology into anti-fraud education [1][5]. Group 1: Campaign Overview - The "Year of the Horse Anti-Fraud Three-Piece Set" includes a digital song, an AI short drama, and an interactive game, targeting different audience segments effectively [1][2]. - The digital song "Didi Guardian" aims to resonate with the younger generation by transforming fraud cases into catchy lyrics, thus promoting anti-fraud knowledge in an engaging manner [1][2]. Group 2: Technological Integration - Du Xiaoman has provided anti-fraud reminder services to 453,900 users, preventing financial losses amounting to 217 million yuan, showcasing the effectiveness of its AI technology [5]. - The company plans to upgrade its voiceprint recognition system and deepfake prevention model by 2025, enhancing its capabilities to detect high-risk behaviors in real-time [5][6]. Group 3: Community Engagement - The campaign leverages a comprehensive media network to disseminate anti-fraud knowledge, aiming to make it accessible to the general public [5]. - The initiative emphasizes the importance of community vigilance during the high-fraud season of the Spring Festival, encouraging users to verify suspicious situations through official channels [6].

Core Viewpoint - The implementation of the first digital RMB smart contract for migrant workers' wage payments in Chengdu, Sichuan, represents a new digital financial model aimed at ensuring timely and full wage payments for migrant workers, thereby enhancing their welfare and interests [1][3]. Group 1: Digital RMB Smart Contract Implementation - The digital RMB smart contract automates wage payments through a computer program that executes contract obligations based on predefined conditions, eliminating human intervention and supporting cross-institutional interoperability [1][5]. - During the wage payment process, the Bank of Communications opened a corporate wallet for the construction company and utilized a smart payment contract to distribute over 1 million yuan to 104 workers, effectively preventing fund misappropriation [1][5]. Group 2: Data Empowerment and Industry Solutions - The "Anxin Zhu" platform developed by Yizhi Technology provides clear and accurate business data, enhancing the management of funds through digital RMB smart contracts, thus addressing issues like "separation of people and cards" and ensuring workers receive their wages accurately [2][6]. - Sichuan Province, with over 150,000 construction companies and more than 4 million workers, is focusing on digital solutions to tackle wage arrears, emphasizing a comprehensive digital governance model [2][6]. Group 3: Market Demand and Future Developments - The market demand for digital RMB smart contracts is expanding, with applications in areas such as fiscal subsidies and supply chain finance, which improve payment monitoring and fund processing efficiency [3][6]. - As of January 2026, there have been 486,400 signed contracts with a total transaction amount of 316 million yuan in various pilot applications, indicating significant growth in the use of digital RMB smart contracts [3][6]. - Future plans include enhancing system services and promoting existing models while collaborating with member banks to innovate applications of digital RMB smart contracts for industry development and social governance [7].

Core Insights - The People's Bank of China has facilitated the launch of the first digital RMB smart contract for wage payments to migrant workers in Chengdu, marking a new model for digital and inclusive finance [1] - The digital RMB smart contract automates wage disbursement, ensuring funds are not misappropriated and are paid in full according to wage details [1] Group 1: Digital RMB Smart Contracts - Digital RMB smart contracts enable the digitalization, automation, and enforcement of contracts, eliminating human intervention and supporting cross-institutional interoperability [1] - The smart contract ecosystem allows for automatic execution of funds based on pre-set conditions, enhancing financial security and efficiency in various applications [2] Group 2: Applications and Impact - Smart contracts have been piloted in areas such as prepaid fund management, supply chain finance, corporate finance management, and subsidy distribution, demonstrating their versatility [2] - In prepaid fund management, funds remain with consumers until conditions are met, ensuring protection against misuse [2] - By January 2026, there will be 486,400 signed contracts with a total transaction amount of 316 million yuan in various sectors [3]

Core Viewpoint - The digital RMB sector experienced a 1.2% increase on February 10, with Chip Origin Technology leading the gains, reflecting positive market sentiment towards digital currency initiatives [1]. Market Performance - The Shanghai Composite Index closed at 4128.37, up 0.13% - The Shenzhen Component Index closed at 14210.63, up 0.02% [1]. Digital RMB Sector Stocks - Chip Origin Technology (688521) closed at 239.00, up 8.54%, with a trading volume of 218,100 shares and a transaction value of 5.184 billion yuan - Digital Vision (300079) closed at 6.76, up 8.16%, with a trading volume of 2,398,300 shares and a transaction value of 1.635 billion yuan - ST Tianxiang (300205) closed at 4.78, up 7.90%, with a trading volume of 84,400 shares and a transaction value of 39.502 million yuan - Other notable stocks include Guotou Intelligent (300188) up 7.57% and Dongfang Guoxin (300166) up 6.30% [1]. Capital Flow Analysis - The digital RMB sector saw a net outflow of 357 million yuan from institutional investors, while retail investors contributed a net inflow of 288 million yuan [2]. - Notable stocks with significant capital inflows include Guotou Intelligent with a net inflow of 1.29 billion yuan from institutional investors [3]. ETF Information - The Entrepreneurial Board Artificial Intelligence ETF (product code: 159381) tracks the performance of the Entrepreneurial Board AI Index, with a recent five-day change of 1.28% and a net redemption of 672.5 million yuan [6]. - The Science and Technology Innovation Artificial Intelligence ETF (product code: 589010) tracks the Shanghai Stock Exchange Science and Technology Innovation Board AI Index, with a recent five-day change of -0.43% and a net subscription of 276.27 million yuan [6].

Core Insights - The first digital RMB smart contract for wage payment to migrant workers has been successfully implemented in Chengdu, Sichuan, under the guidance of the People's Bank of China, marking a new model for digital finance and inclusive finance [1] Group 1: Digital RMB Smart Contract Implementation - The digital RMB smart contract utilizes a digital ecosystem service platform to automate and enforce wage payments, eliminating human intervention and supporting cross-institutional interoperability [1] - As of January 2026, the digital RMB smart contract has been piloted in areas such as prepaid fund management, supply chain finance, corporate group financial management, and subsidy distribution, with a total of 486,400 contracts signed and a cumulative transaction amount of 316 million yuan [1] Group 2: Future Developments - The Digital RMB Operations Management Center plans to continuously enhance system services and promote existing models while collaborating with member banks to innovate applications of digital RMB smart contracts [2] - The initiative aims to provide more intelligent services for industry development and social governance, supporting the construction of the financial "five major articles" [2]

"看到工资'秒到'自己的钱包，感到非常高兴，孩子老人都在家里盼着，我等会儿就去买点年货带回 家。"2月6日，在四川省成都市，农民工王同林收到了一笔数字人民币工资。 拿到工资的王同林难掩喜悦，他对《金融时报》记者表示："不用去银行，手机上就能开通数字人民币 钱包，用起来也挺简单的，看到工资'秒到'钱包，特别高兴。"对比传统发薪方式，王同林直言心里更 踏实了，"以前总担心发工资的事，现在钱直接发到自己手机里，谁也碰不到，工资明细还清清楚楚， 希望未来有更多项目能用数字人民币发钱。" 那么，为什么要用数字人民币给农民工发工资？对此，有行业观察人士分析表示，以前农民工讨薪难、 工资被拖欠的事不少见，现在这个新办法就是给农民工工资上个"保险"，保障农民工能顺利拿到工资， 实打实解决民生难题。 作为本次合作的平台方，一智科技是一家专注于建筑领域数智化创新的科技企业，首席执行官文凌对 《金融时报》记者说："我们深谙传统建筑行业'人卡分离、造表发薪、糊涂账多'带来的一系列隐患， 希望通过科技手段，创新农民工工资支付监管方式，叠加数字人民币智能合约的资金管理优势，为根治 欠薪提供新的解决方案。" 那么，数字人民币智能合约究竟如 ...

"不用去银行，手机上就能开通数字人民币钱包，用起来也挺简单。看到工资'秒到'钱包，特别高 兴。"近日，刚收到工资的农民工王同林难掩喜悦，"孩子老人都在家里盼着，等会儿就去买点年货带回 去。" 平台方的参与为数字人民币发薪提供了关键支撑。作为建筑领域数智化创新的科技企业，一智科技深谙 传统建筑行业"人卡分离、造表发薪、糊涂账多"带来的一系列隐患。 一智科技CEO文凌对中国证券报记者表示，该企业希望通过科技手段，创新农民工工资支付监管方式， 叠加数字人民币智能合约的资金管理优势，为根治欠薪提供新的解决方案，切实帮助农民工"算清账， 拿到钱"。 技术赋能筑牢防线 据了解，数字人民币智能合约农民工工资发放新场景的落地，是多方协同与技术创新的成果。 王同林感受到的这份便捷与安心，正是数字人民币赋能民生保障的生动写照。近日，数字人民币运营管 理中心协调交通银行，在成都落地全国首单数字人民币智能合约农民工工资发放业务。专家表示，这是 人民银行、金融机构、科创企业与行业主管部门协同发力的成果，以数字人民币智能合约为农民工工资 支付筑牢安全防线，是数字金融服务民生的重要实践。 实现工资精准直达 "数字人民币保障农民工工资支付场 ...

● 本报记者 彭扬 "不用去银行，手机上就能开通数字人民币钱包，用起来也挺简单。看到工资'秒到'钱包，特别高 兴。"近日，刚收到工资的农民工王同林难掩喜悦，"孩子老人都在家里盼着，等会儿就去买点年货带回 去。" 王同林感受到的这份便捷与安心，正是数字人民币赋能民生保障的生动写照。近日，数字人民币运营管 理中心协调交通银行，在成都落地全国首单数字人民币智能合约农民工工资发放业务。专家表示，这是 人民银行、金融机构、科创企业与行业主管部门协同发力的成果，以数字人民币智能合约为农民工工资 支付筑牢安全防线，是数字金融服务民生的重要实践。 实现工资精准直达 "数字人民币保障农民工工资支付场景在成都首发落地，是一项科技赋能民生保障的重大创新举措。"四 川省住房和城乡建设厅党组成员、副厅长程刚表示。 与传统农民工工资发放方式相比，数字人民币智能合约发薪实现了工资的精准直达，从源头上化解了农 民工工资发放中的诸多顾虑。"现在用数字人民币发薪放心太多了，钱直接发到自己手机里，谁也动不 了，工资明细清清楚楚，心里踏实。希望以后更多项目都能用数字人民币发工资。"王同林说。 平台方的参与为数字人民币发薪提供了关键支撑。作为建筑领域 ...

"以前总担心发工资被拖延，现在用数字人民币发薪放心太多了，钱直接发到自己手机里，谁也碰不 到，工资明细清清楚楚，心里也踏实了。"春节临近，来自成都某建筑工地的农民工王同林收到了一笔 特殊的工资。 2月9日，北京商报记者注意到，数字人民币智能合约拓展了在智能代发领域的新场景，即为农民工发放 工资。由于智能合约拥有合同数字化、自动化和强制执行等特点，农民工工资能够按照明细足额发放且 资金不被挪用，有效规避了传统建筑行业"人卡分离、造表发薪、糊涂账多"等问题。值得注意的是，数 字人民币智能合约在预付资金管理、供应链金融、企业集团财务管理、补贴发放等领域也有多个试点应 用。而随着数字人民币2.0时代的到来，智能合约还有更多拓展空间。 全国首单业务落地成都 保障农民工工资支付是中央1号文件的重要内容。在业内人士看来，数字人民币智能合约在农民工工资 发放场景的落地，既是对欠薪治理痛点的精准回应，也是数字金融服务民生的重要突破，其现实意义远 超技术应用本身。品牌IP营销专家、广州思益得首席策略官陈彦颐认为，传统模式下，工程款层层流转 导致欠薪频发，智能合约将"钱"与"合同"绑定，资金用途被代码锁定，实现"钱随事走、专款专用 ...

Core Viewpoint - The implementation of digital RMB smart contracts for wage payments to migrant workers represents a significant advancement in addressing wage payment issues in the construction industry, enhancing transparency and efficiency in the payment process [1][5][9]. Group 1: Digital RMB Smart Contracts - Digital RMB smart contracts enable automated, transparent, and enforceable wage payments, effectively addressing traditional issues such as fund misappropriation and unclear payment records [1][3][4]. - The first successful application of this system occurred in Chengdu, where over 1 million yuan was disbursed to workers using the digital RMB smart contract framework [3][4]. - The smart contract ecosystem supports cross-institutional interoperability, ensuring that funds are used as intended and preventing misuse [3][4]. Group 2: Broader Applications and Implications - Beyond wage payments, digital RMB smart contracts are being tested in various sectors, including prepayment fund management, supply chain finance, and subsidy distribution, with a cumulative transaction amount exceeding 316 million yuan [6][8]. - The technology aims to enhance consumer protection and streamline financial services, particularly in sectors requiring precise fund allocation [7][9]. - The digital RMB's evolution into a foundational infrastructure for financial transactions signifies a shift from a mere payment tool to a comprehensive solution for social governance and economic stimulation [10]. Group 3: Future Prospects - The digital RMB 2.0 era is characterized by the integration of smart contracts into various financial and governmental applications, promising improved efficiency in subsidy distribution and payment automation [9][10]. - Future developments may include tailored financial products for small and medium enterprises based on transaction data, further enhancing the utility of digital RMB in diverse scenarios [10]. - The ongoing collaboration among banks and financial institutions aims to innovate and expand the application of digital RMB smart contracts, supporting broader economic and social governance initiatives [10].