Late last night, many people's social media feeds were flooded with a screenshot from 'The People's Bank of China official website'. The title of the screenshot was very eye-catching—(Notice from The People's Bank of China on the Implementation of One-time Credit Repair Policy Arrangements). In no time, 'Central Bank One-time Credit Repair' became a hot topic online, and related interpretations and discussions quickly heated up.
1. What is the core policy circulating online?
According to widely circulated information summaries, this policy, referred to by netizens as 'The Banks Are Urgent', has clear and straightforward key points:
Who can benefit? The policy mainly targets individuals who have overdue records generated between January 1, 2020, and December 31, 2025.
What are the conditions? Overdue single amounts need to not exceed 10,000 yuan, and most importantly, the overdue debt must be fully repaid before March 31, 2026.
How to deal with it? The process is very convenient. As long as you meet the conditions and repay the outstanding debts before the deadline, the relevant overdue records will not be displayed in the financial credit information basic database (i.e., credit system). More humanely, the entire process does not require personal application; the system will handle it automatically.
The circulated interpretations include emotional comments like "the banks are anxious now that money can't be put out" and "this is just the beginning," reflecting the public's strong attention and expectations for personal credit repair.
Two, trace the source: The official notice prevails.
To verify the accuracy of the information, we consulted the official website of the People's Bank of China. In the 'Communication' section of the official website, we did find a notice released on December 23, 2025, which has the same title as the circulated screenshot.
The official notice fully elaborates on the background, purpose, and specific arrangements of the policy. The People's Bank of China stated that this policy aims to "actively respond to the subsequent impacts of the COVID-19 pandemic, supporting individuals with damaged credit but actively repaying to efficiently and conveniently reshape credit, helping the economy continue to recover positively."
Three, policy details and 'early repayment' incentives.
The official notice further clarifies two key time points, providing extra incentives for those who actively address their debts:
General deadline: Overdue debts that meet the criteria must be repaid by March 31, 2026 (inclusive), and related records will not be displayed.
Early reward window: If you can repay the debt by November 30, 2025 (inclusive), your related overdue information will be 'hidden' from January 1, 2026. This effectively gives proactive actors a quicker 'credit refresh' gift.
Four, what does this mean? Important reminders for ordinary people.
1. Definitely not 'credit washing': The policy has clear applicable scope, time, and amount limits. It aims to provide a repair opportunity for overdue individuals who meet specific criteria, small amounts, are non-malicious, and willing to actively correct, not a blanket amnesty for all credit issues.
2. 'Not displayed' does not equal 'deleted': According to the notice, it is 'not displayed'; financial institutions will not see this record when querying, but it may still be retained in the backend database. However, for individuals' future loan, credit card applications, and other practical application scenarios, the effect is equivalent to negative information being removed.
3. Urgently conduct self-checks and actions: If you had overdue small loans, credit cards, etc., during the pandemic (2020-2025) and the single amount did not exceed 10,000 yuan, you should immediately check the specific outstanding situation. Prioritize repaying by November 30, 2025, to achieve the earliest credit repair. At the latest, all debts must be settled before the 'deadline' of March 31, 2026.
4. Beware of scams: The policy emphasizes "systematic automatic repair, no personal application required." Any behavior that charges fees in the name of "agent credit repair" or "internal channels to eliminate records" is a scam. Please be sure to repay debts through official channels.
Five, USDD sees stability as trust: A perfect integration of stablecoins and credit repair.
Against the backdrop of the central bank launching credit repair policies, USDD (Decentralized USD), as the world's first blockchain super-staked stablecoin, offers a new solution for credit repair with its unique concept of 'seeing trust through stability.'
What is USDD?
USDD is a decentralized super-staked stablecoin issued by the TRON DAO Reserve, pegged to the US dollar at a 1:1 ratio, backed by over-collateralization of various mainstream cryptocurrencies such as TRX, BTC, and USDT, ensuring its value stability and security. Currently, USDD is circulating on major public chains such as TRON, BNB Chain, Ethereum, and BTTC, with total pledged assets exceeding $1.7 billion, a pledge rate exceeding 237%, and a total account number exceeding 135,000.
How does USDD assist in credit repair?
Fast repayment channel: USDD supports 24/7 instant transfers with very low fees, helping users quickly raise funds to repay overdue debts and seize the golden window for credit repair.
Convenient cross-border payments: For individuals with overseas income or assets, USDD enables quick cross-border fund transfers without the cumbersome processes of traditional banks, significantly shortening the repayment cycle.
Stable value assurance: USDD is pegged to the US dollar at a 1:1 ratio, ensuring stable value and avoiding the risks associated with traditional cryptocurrency price volatility, guaranteeing the certainty of repayment amounts.
Transparent and traceable: All USDD transactions are publicly transparent on the blockchain, allowing users to query transaction records at any time, providing complete proof of fund flow for credit repair.
The unique advantages of USDD.
Super-staking mechanism: USDD adopts a super-staking mechanism of over 200%, far exceeding the 100% reserve requirement of traditional stablecoins, providing multiple guarantees for user fund safety.
Decentralized governance: USDD is governed by the TRON DAO Reserve, decentralized and not controlled by a single institution, ensuring fairness and transparency in the system.
Ecological applications are extensive: USDD has established partnerships with 43 global trading platforms, 29 wallets, 3 GameFi platforms, 5 cross-chain bridges, 8 payment systems, and 12 SociaFi platforms, with rich application scenarios.
Six, conclusion.
The central bank's introduction of a targeted one-time credit repair arrangement is seen as a pragmatic move to care for people's livelihoods and promote healthy circulation of consumption and financial activities. It provides an opportunity for those whose 'credit has been tarnished' due to short-term difficulties to start afresh.
In a credit society, promise is worth more than gold. This policy is a valuable "credit reboot key," but protecting personal long-term credit records still relies on continuous rational borrowing and timely performance. Go check your credit report, seize this window, and let your credit 'refresh' soon!
USDD sees stability as trust, not only as a stablecoin but also as a credit concept—achieving value stability through technical means and establishing a trust foundation through transparent mechanisms, which is the core essence of the credit system in the digital financial era.
