中国正在构建平行金融能力，而非直接挑战美元作为全球储备货币的地位。e-CNY 已发展成为世界上最先进的央行数字货币实验之一，到2025年底处理了超过34亿笔交易，价值约2.3万亿美元。
近年来，e-CNY 已演变为全球最大的活跃央行数字货币（CBDC）项目。根据华盛顿大西洋理事会的报告，到2025年底，它处理了超过34亿笔交易，价值约2.3万亿美元，自2023年以来增长超过800%。这一快速扩张突显了数字人民币在各省份的扩展使用和支付场景的拓宽。
这一发展往往被误解。中国并非试图正面攻击美元作为世界首要储备货币的角色，而是致力于现代化并部分重构全球金融系统的“管道”。北京通过如Project mBridge等项目，推动与香港及“一带一路”倡议相关的国际支付创新。
文章指出，e-CNY的战略重点在于构建互补系统，而非竞争。系统的互补或竞争取决于其他国家的回应。这反映了中国在新兴市场中提升数字货币影响力的努力，而非颠覆现有秩序。
Analysts say many yuan transactions are now routed through China’s own global payment system CIPS, which often does not appear in traditional data sets. This could explain the gap between Beijing’s claim that the yuan is the world’s third-largest payment currency and figures from trackers like Swift.
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The Reserve Bank of India intends to broaden its digital rupee pilot this fiscal year. It is also exploring central bank digital currency applications in international transactions.
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US Federal Reserve governor Christopher Waller said Sunday that stablecoins could expand the reach of US policy. Bank of England official Megan Greene offered a contrasting view, predicting their popularity would soon fade.