By the end of 2025, the People's Bank of China issued the "Action Plan for Further Strengthening the Digital Renminbi Management Service System and Related Financial Infrastructure Construction," marking the official transition of the digital renminbi from "Digital Cash 1.0" to the "Digital Deposit Currency 2.0" era. The core change is that starting from January 1, 2026, the balance of the digital renminbi wallet will begin to accrue interest, and its legal attribute will shift from a direct liability of the central bank to a legal currency with the liability attributes of a commercial bank. The common dilemma faced by global CBDCs and the breakthrough of the digital renminbi: over 130 monetary authorities worldwide are exploring CBDC practices, generally falling into an irreconcilable paradox: how to introduce digital currency while preventing it from undermining the foundations of the traditional banking system? The root of this issue lies in