diff --git a/server/storage/data/migrations/20261015_001_payment_account_digital_rmb.sql b/server/storage/data/migrations/20261015_001_payment_account_digital_rmb.sql
new file mode 100644
index 0000000..771350c
--- /dev/null
+++ b/server/storage/data/migrations/20261015_001_payment_account_digital_rmb.sql
@@ -0,0 +1,5 @@
+-- 绑卡信息增加数字人民币编码，按敏感账户信息保存密文、检索哈希和脱敏值。
+ALTER TABLE `hg_app_member_payment_account`
+  ADD COLUMN `digital_rmb_code_cipher` text NULL COMMENT '数字人民币编码密文' AFTER `account_no_mask`,
+  ADD COLUMN `digital_rmb_code_hash` char(64) NOT NULL DEFAULT '' COMMENT '数字人民币编码检索哈希' AFTER `digital_rmb_code_cipher`,
+  ADD COLUMN `digital_rmb_code_mask` varchar(80) NOT NULL DEFAULT '' COMMENT '数字人民币编码脱敏值' AFTER `digital_rmb_code_hash`;