I would not encourage using the extra decimal places. They're only intended for future use.
You are correct that above 0.01 can still have additional precision, but the recipient won't be able to see it. The UI will show it rounded down.
SN-2815 已核对来源，附原文与上下文。
我不建议使用那些额外的小数位。它们不过是为将来预留的。
你说得对，高于 0.01 的金额仍然能够带额外精度，然而接收方看不到。UI 会把它向下取整显示。