The monetary policy framework is not only a theoretical basis for promoting the effective implementation of national monetary policy, but also an essential institutional design that restricts the legitimate exercise of monetary power. Its adaptability to economic development is related to whether a country’s monetary policy can effectively promote the achievement of macroeconomic objectives. As a result, with the transformation of the economic development stage, China urgently needs to adjust its monetary policy framework to adapt to the new normal of economic development. Legal digital currency is a crucial financial infrastructure for China to enter the stage of high-quality development, with the digital economy as a vital driving force. The technical features of legal digital currency have become influential directions and key starting points for optimizing the monetary policy framework. Theoretically, the optimization of monetary policy framework by the technical features of legal digital currency is mainly reflected in two aspects: On the one hand, it can improve the monetary policy framework such as the final target system of monetary policy, the anchoring method of intermediary targets, monetary policy tools, and monetary policy transmission mechanism; on the other hand, it can motivate the monetary policy framework to enforce and optimize constraint functions such as guidance, supervision and prediction of relevant entities and their behavior. Practically, there are still numerous restrictions on legal digital currency, such as the lack of legal basis for the issuance and circulation of legal digital currency, the lack of legal digital currency data standards and usage specifications, the inherent defects of monetary policy framework, and the impact of algorithms on the current currency legal system. The factors at play in optimizing the monetary policy framework do not allow the modern monetary policy framework to achieve the effect of both guiding monetary policy operations and constraining the exercise of monetary power by relying solely on the technical features of legal digital currency. In view of this, China needs to improve the legal basis for the issuance and circulation of legal digital currency, build the relevant systems for legal digital currency data standards and usage specifications, establish the value hierarchy between monetary policy objectives, clarify the basic principles of loading the algorithm for specific purposes into legal digital currency to avoid potential risks and contradictions, and ensure the realization of the optimization effect of legal digital currency on the monetary policy framework, so as to provide more possibilities for China to use scientific and innovative methods to control and promote national economic development in the future.