According to Foresight News, Mu Changchun, director of the Digital Currency Research Institute of the People's Bank of China, said that after the currency upgrade is completed, payment tools throughout society need to be upgraded accordingly. First of all, payment tools in retail scenarios, such as WeChat and Alipay, need to obtain financial licenses and be subject to supervision. In the short term, the QR code standard can be unified, and payment tools can be upgraded steadily in the long term. Payment tools in wholesale payment scenarios also need to be upgraded, and digital RMB can be fully interoperable with existing electronic payment tools and commercial bank deposits to achieve seamless connection. For financial market infrastructure that was not originally covered, digital RMB can be used for settlement to improve wholesale payment efficiency.