Starting in 2026, balances in digital RMB wallets can earn interest—this is a major breakthrough under the central bank's 'two-tier system.' Banks can manage wallet balances as assets and liabilities, enjoying deposit insurance protection. This means the deep integration of digital currency and the traditional banking system is accelerating. When legal digital currency begins to simulate the characteristics of traditional deposits, we are witnessing a key milestone in the evolution of money. Comparing the progress of central bank digital currencies (CBDCs) globally, China's policy innovation is worth paying attention to. Amid the wave of digitalization, the very definition and boundaries of money are being reshaped.