【Research Indicator】 Overseas and AI-related businesses are gradually entering the harvest period, and this company has already provided clients with Digital RMB 2.0-related products.

People’s Financial News, April 7—Recently, the People’s Bank of China added 12 new digital renminbi business operation institutions. The total number of digital renminbi business operation institutions expanded from the original 10 to 22, and the construction of the digital renminbi ecosystem has entered a new stage.

Yuxin Technology ( 300674 ) said in brokerage strategy meetings and teleconferences that the company has directly provided customers with digital renminbi 2.0-related products, and the project has entered a phase of substantive advancement.

The company said that compared with the 1.0 era, which focused on payment interfaces and wallet account opening, the 2.0 stage requires underlying upgrades to a bank’s core accounting systems—covering the restructuring of the accounting subject framework, adjustments to liquidity management rules, and the re-adaptation of compliance and risk control logic. This sets higher thresholds for financial technology companies’ ability to understand asset-liability management and their experience in designing regulatory reporting system architectures.

In cross-border payment, Yuxin Technology has a complete product system and solution capabilities and has already provided related services to multiple banks. With respect to its cross-border payment ecosystem layout, the company has explored the application of digital currency together with partners.

For AI business revenue, in 2025 the company achieved AI-related income of 200 million yuan, including AI hardware, AI software, and AIAgent-related businesses. The company launched an intelligent computing leasing service solution and has successfully provided a domestic bank with “intelligent computing power + scenario services.” The company said it is building a super gateway for financial AI. Based on this secure and compliant cloud foundation, it has deployed a series of ready-to-use financial AIAgents, enabling the company to actively transform from traditional project-based software development and solution delivery to a service model of “platform subscription + pay-per-performance + computing power leasing.”

Institutions noted that Yuxin Technology has optimized its business structure and accelerated overseas commercialization. They are optimistic about the company’s ecosystem positioning and the incremental opportunities brought by digital renminbi 2.0.

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