Digital RMB adheres to the design concept of "safety and inclusiveness, innovation and easy use, and long-term evolution", and comprehensively considers the design principles such as monetary function, market demand, supply mode, technical support, cost and benefit, and forms preliminary design ideas in terms of monetary characteristics, operation mode, wallet ecological construction, compliance responsibility, technical route selection, supervision system and influence.

First, digital RMB is mainly positioned as cash payment voucher (M0), which will coexist with entity RMB for a long time. Digital RMB is the legal tender in digital form issued by the People's Bank of China, which is mainly used to meet the domestic retail payment demand.

Second, the digital RMB adopts centralized management and two-tier operation. The People's Bank of China is at the core of the digital RMB operation system, which is responsible for issuing digital RMB to commercial banks as designated operating institutions and implementing life cycle management. Designated operating agencies and related commercial organizations are responsible for providing digital RMB exchange and circulation services to the public.

Thirdly, the design of digital RMB fully considers the characteristics of convenience, security, inclusiveness, privacy and compliance.

Fourth, through business, technology and policy design, ensure that the impact of digital RMB on monetary policy, financial system and financial stability is minimized.