With the gradual deepening of the digital RMB pilot, the number of relevant patent applications is constantly being refreshed, and the number of patents applied by many well-known domestic institutions exceeds that of last year. Among them, China Mobile, China Banknote credit card, Tencent
, ICBC, Bank of China and other institutions have updated relevant patents in the first half of the year. The white paper on the research and development progress of China's digital RMB previously released by the people's Bank of China shows that the digital RMB realizes programmability by loading smart contracts that do not affect the monetary function, so that the digital RMB can carry out automatic payment transactions according to the conditions and rules agreed by both parties on the premise of ensuring security and compliance, so as to promote the innovation of business model. The programmability of digital RMB makes smart contracts popular, and a number of patents have been highly concerned by the market.