Gate Daily (December 30): China's digital RMB wallet to start paying interest from January 1, 2026; BlackRock BUIDL accumulates $100 million in dividends

Bitcoin (BTC) retraced its early-week gains, currently around $87,190 as of December 30. China will allow banks to pay interest on digital yuan wallets starting January 2026. BlackRock’s BUIDL project has accumulated $100 million in dividends, demonstrating the scalable application of tokenized finance. Senior officials state that most digital assets will “disappear” next year.

Macro Events & Crypto Hotspots

1. BlackRock’s first tokenized money market fund BUIDL has distributed a total of $100 million in dividends since launch, highlighting the increasing adoption of tokenized securities among institutions and their growing real-world applications. On Monday, Securitize, the issuer of the fund and a tokenization partner, announced a milestone event for BUIDL, with Securitize overseeing on-chain issuance and investor onboarding.

2. The People’s Bank of China is launching a new digital yuan framework, allowing commercial banks to pay interest on digital yuan wallets starting January 1, 2026. Officials say this move will elevate the role of CBDC( beyond its initial function as a cash substitute. Vice Governor of the PBOC Lu Lei wrote in an article on Monday that the new digital currency framework will enable banks to include digital yuan as part of their balance sheet operations. Lu Lei stated: “Digital yuan will transition from the era of digital cash to the era of digital deposit currency, with functions including a monetary value scale, value storage, and cross-border payments.”

3. Industry insiders warn that digital asset repositories (DAT) will face a bleak outlook in 2026, with many large companies’ stock prices plummeting. “Looking ahead to next year, I think the prospects for DAT are somewhat bleak,” warned Altan Tutar, co-founder and CEO of crypto yield platform MoreMarkets. In 2025, numerous DAT companies emerged, offering Wall Street investors another way to invest in cryptocurrencies. As Bitcoin peaked in October, many companies’ stock prices initially surged as large investors poured billions of dollars in. However, the overall crypto market subsequently declined, impacting these companies’ valuations.

) News Highlights

1. A wallet on Lighter increased its assets from $5,000 to $133,000 in just two months by trading ETH.

2. Lighter withdrew 32.05 million USDC to its treasury address, with about 7.5 million USDC entering LLP.

3. A whale that previously sold 255 BTC added to its BTC short positions and opened new ETH and SOL shorts.

4. Meta acquired AI application developer Manus for billions of dollars, creating a butterfly effect.

5. The total market cap of tokenized stocks has risen to $1.2 billion, a new all-time high.

6. BlackRock’s first tokenized money market fund BUIDL has accumulated over $100 million in dividends.

7. Cicely LaMothe, Deputy Director of the SEC’s Corporate Finance Division, is retiring after formulating crypto guidance.

8. Trend Research increased its ETH holdings by over 46,000 in a single day, continuously lowering its average cost.

9. CME launched reference rates and real-time indices for Aptos, Bittensor, and Hedera.

10. Vitalik: AI should focus on augmenting humans rather than complete autonomy.

Market Trends

1. Latest Bitcoin news: ### retraced its early-week gains, currently around $87,190, with $99.3 million in liquidations over the past 24 hours, mainly long positions.

2. US stocks closed lower on December 29, kicking off the last week of 2025. Heavyweight tech stocks retreated after last week’s rally that pushed the S&P 500 to new highs. Geopolitical tensions and concerns over asset volatility also dampened market performance. Nevertheless, the three major indices are expected to close the month higher, with investors still hopeful for a “Christmas rally.” The Dow Jones Industrial fell 249.04 points, down 0.5%, to 48,461.93. The S&P 500 declined 24.20 points, down 0.4%, to 6,905.74. The Nasdaq Composite dropped 118.75 points, down 0.5%, to 23,474.35.

![比特幣清算地圖]$BTC https://img-cdn.gateio.im/webp-social/moments-87a9b3933a-635da95a5e-153d09-6d5686.webp(

(Source: Gate)

3. According to Gate’s BTC/USDT liquidation map, with the current price at $87,124.90, a decline to around $86,451 will liquidate over $258 million in longs; an increase to around $89,112 will liquidate over $649 million in shorts. Short positions’ liquidations are significantly higher than longs, so it is advisable to control leverage ratios prudently to avoid large-scale liquidations during market fluctuations.

![比特幣現貨流量])https://img-cdn.gateio.im/webp-social/moments-87a9b3933a-58e5efb769-153d09-6d5686.webp(

(Source: Coinglass)

4. In the past 24 hours, BTC spot inflow was $2.57 billion, outflow $2.76 billion, net outflow $190 million.

![加密貨幣合約流量])https://img-cdn.gateio.im/webp-social/moments-87a9b3933a-1841704019-153d09-6d5686.webp(

(Source: Coinglass)

5. In the past 24 hours, net outflows led in contracts trading for $ETH, $ZBT, $ZEC, $TAKE, ), indicating trading opportunities.

$ADA Top KOL Insights

Phyrex Ni (@Phyrex_Ni): “Lately, it’s been all about vacation mode. People are exhausted—during the day, providing emotional value; at night, drinking and chatting with friends; late at night, coding; and early the next morning, heading out. It’s been a week like this, and another week will probably end it. Although complaining is tiring, I actually enjoy this lifestyle. Before, I would wake up, read news, and code, but this lifestyle is occasional; long-term, I can’t quite adapt. When I saw BTC hit $90,000 this morning, I thought about watching the US stock market open. In a positive scenario, with low liquidity, US stocks might drive the market more. But tonight, falling back to around $88,000 is normal.”

“We’ve been talking about the $90,000 magic number for a long time. I don’t know the reason, but seeing trading volume increase suggests there are still quite a few resistors. A decisive breakout probably requires stronger positive catalysts to support buying.”

“Looking at Bitcoin data, after Monday, turnover remains low, indicating high-frequency traders are still on vacation. US stocks also saw slight declines, which is within normal range. Recently, there’s been no critical data or major speeches—mostly fatigue about 2025. Based on current chip structure, there’s a high chance of rebuilding a bottom around $83,000, and the $87,000 position exceeds 800,000 BTC, indicating increased chances of high volatility. In the short term, it’s still healthy; earlier losses remain quite stable.”

Today’s Outlook

No major economic data releases today.