Wallet is an inaccurate statement. Actually, it refers to the personal digital RMB account system. At present, the digital RMB App is embodied in the terminal, and the digital RMB account and the bank account are two independent systems. Now people think that the balance of digital RMB account is' converted' from the balance of bank account. Similar to the logic of Alipay and WeChat payment account balance, bank account still seems inevitable, but in the future, digital RMB will have its own independent sources. Both the government and enterprises may become the source of personal digital RMB. If all employees of the enterprise have digital RMB accounts, the enterprise can directly pay wages to personal digital RMB accounts without going through any bank accounts.