[HKMA: Digital Hong Kong Dollar to be Promoted for Personal Use, Preparatory Work Expected to be Completed in the First Half of Next Year] According to a report by Golden Finance citing 'Ta Kung Wen Wei,' the Hong Kong Monetary Authority (HKMA) stated in its 'Digital Hong Kong Dollar Pilot Program Phase 2 Report' that the second phase of the project has involved eleven pilot groups, covering three major themes: tokenized asset settlement, programmable payments, and offline payments. The report emphasized that the 'Digital Hong Kong Dollar' will gradually expand to the personal user level, with preparatory work related to technology, legal, and commercial mechanisms expected to be completed by the first half of 2026, providing broader application channels for the public and businesses by then.