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alt=\"\" class=\"wp-image-6107\" \/><figcaption class=\"wp-element-caption\">    <\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u4e8c\u9636\u6bb5\u5c06\u6269\u5927BRICS Pay\u7684\u8986\u76d6\u8303\u56f4\uff0c\u5e76\u5efa\u7acb\u5404\u56fd\u652f\u4ed8\u7cfb\u7edf\u4e92\u8054\u4e92\u901a\u7684\u7f51\u5173\u7f51\u7edc\u3002\u8fd9\u662f\u4e00\u4e2a\u96c4\u5fc3\u52c3\u52c3\u4e14\u6280\u672f\u590d\u6742\u7684\u9636\u6bb5\u3002\u5728\u6b64\u9636\u6bb5\uff0cBRICS Pay\u5c06\u4e0d\u518d\u4ec5\u4ec5\u662f\u4e00\u6b3e\u652f\u4ed8\u5e94\u7528\uff0c\u800c\u662f\u6210\u4e3a\u5404\u56fd\u652f\u4ed8\u7cfb\u7edf\u4e4b\u95f4\u7684\u201c\u900f\u660e\u8fde\u63a5\u5668\u201d\u3002\u7528\u6237\u65e0\u9700\u5355\u72ec\u5b89\u88c5BRICS Pay\u5e94\u7528\u7a0b\u5e8f\uff0c\u53ef\u76f4\u63a5\u4f7f\u7528\u81ea\u5df1\u4e60\u60ef\u7684\u5e94\u7528\uff08\u5982\u652f\u4ed8\u5b9d\u6216BHIM 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Pay\uff08\u5fae\u4fe1\u652f\u4ed8\uff09\u3001CUP\uff08\u4e2d\u56fd\u94f6\u8054\uff09\u3001UPI\u548cPIX\u7b49\u7cfb\u7edf\u5728\u6280\u672f\u4e0a\u5df2\u7ecf\u6210\u719f\uff0c\u5e76\u5f00\u653e\u5bf9\u63a5\u3002\u53cc\u65b9\u5747\u6709\u5408\u4f5c\u610f\u613f\uff0c\u6211\u4eec\u76f8\u4fe1\u52302027\u5e74\u5e95\uff0c\u4e3b\u8981\u5bf9\u63a5\u5de5\u4f5c\u5c06\u5168\u90e8\u5b8c\u6210\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff08RBI\uff09\u5411\u91d1\u7816\u56fd\u5bb6\u5404\u56fd\u592e\u884c\u63d0\u51fa\u5c06\u5404\u81ea\u6570\u5b57\u8d27\u5e01\u4e92\u8054\u4e92\u901a\u3001\u4ee5\u7b80\u5316\u8de8\u5883\u8d38\u6613\u548c\u65c5\u6e38\u9886\u57df\u652f\u4ed8\u7684\u5efa\u8bae\uff0c\u662f\u5426\u4e5f\u662f\u8fd9\u4e00\u94fe\u6761\u4e0a\u7684\u4e00\u73af\uff1fBRICS Pay\u5728\u5176\u4e2d\u53c8\u626e\u6f14\u7740\u600e\u6837\u7684\u89d2\u8272\uff1f<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u957f\u8fdc\u6765\u770b\uff0c\u592e\u884c\u6570\u5b57\u8d27\u5e01\uff08CBDC\uff09\u7684\u5e94\u7528\u524d\u666f\u6216\u8bb8\u662f\u8be5\u9879\u76ee\u6700\u5177\u6218\u7565\u610f\u4e49\u7684\u90e8\u5206\u3002\u76ee\u524d\uff0c\u6240\u6709\u91d1\u7816\u56fd\u5bb6\u4e3b\u8981\u6210\u5458\u56fd\u90fd\u5728\u5f00\u5c55\u672c\u56fd\u592e\u884c\u6570\u5b57\u8d27\u5e01\u7684\u8bd5\u70b9\u3002\u5370\u5ea6\u4e8e2022\u5e7412\u6708\u63a8\u51fa\u4e86\u6570\u5b57\u5362\u6bd4\uff08e-rupee\uff09\u3002\u4e2d\u56fd\u6b63\u5728\u63a8\u8fdb\u6570\u5b57\u4eba\u6c11\u5e01\uff08digital yuan\uff09\u5efa\u8bbe\uff0c\u8fd9\u662f\u5168\u7403\u89c4\u6a21\u6700\u5927\u7684\u8bd5\u70b9\u9879\u76ee\u3002\u5df4\u897f\u6b63\u5728\u7814\u53d1\u6570\u5b57\u96f7\u4e9a\u5c14\uff08digital real\uff09\uff0c\u4fc4\u7f57\u65af\u5219\u5728\u5f00\u53d1\u6570\u5b57\u5362\u5e03\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6b64\uff0cBRICS 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class=\"wp-block-paragraph\">\u6211\u8981\u5f3a\u8c03\uff1a\u8fd9\u91cc\u8bf4\u7684\u5e76\u975e\u91d1\u7816\u56fd\u5bb6\u7edf\u4e00\u8d27\u5e01\u2014\u2014\u8fd9\u4e00\u6784\u60f3\u5df2\u88ab\u653e\u5f03\uff0c\u800c\u662f\u6307\u7528\u4e8e\u5151\u6362\u5404\u56fd\u6570\u5b57\u8d27\u5e01\u7684\u5e73\u53f0\u3002\u4f46\u5fc5\u987b\u518d\u6b21\u6307\u51fa\uff0c\u76f8\u5173\u51b3\u7b56\u7531\u5404\u6210\u5458\u56fd\u592e\u884c\u4f5c\u51fa\uff0c\u8be5\u4e92\u52a8\u4e0e\u7ed3\u7b97\u5e73\u53f0\u7684\u6700\u7ec8\u67b6\u6784\u5c1a\u4e0d\u660e\u786e\u3002BRICS Pay\u6709\u671b\u6210\u4e3a\u8fd9\u6837\u4e00\u4e2a\u5e73\u53f0\uff0c\u5373\u4e00\u4e2a\u6280\u672f\u7f51\u5173\uff0c\u5728\u96f6\u552e\u548c\u4f01\u4e1a\u652f\u4ed8\u5c42\u9762\u5b9e\u73b0\u5404\u56fd\u592e\u884c\u6570\u5b57\u8d27\u5e01\uff08CBDC\uff09\u4e4b\u95f4\u7684\u8def\u7531\u3001\u5151\u6362\u4e0e\u7ed3\u7b97\u3002\u9700\u8981\u8bf4\u660e\u7684\u662f\uff0c\u6211\u4eec\u5e76\u4e0d\u7814\u53d1CBDC\u6280\u672f\u672c\u8eab\u2014\u2014\u8fd9\u662f\u5404\u56fd\u592e\u884c\u7684\u804c\u8d23\u3002\u6211\u4eec\u6240\u505a\u7684\u662f\u642d\u5efa\u57fa\u7840\u8bbe\u65bd\uff0c\u8ba9\u5404\u7c7b\u6570\u5b57\u8d27\u5e01\u80fd\u591f\u534f\u540c\u8fd0\u4f5c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u76ee\u524d\u8fd9\u4e9b\u95ee\u9898\u5728\u6280\u672f\u548c\u76d1\u7ba1\u5c42\u9762\u7684\u7814\u7a76\u8fdb\u5c55\u5982\u4f55\uff1f<\/em><\/strong><\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u6b64\u5916\uff0c\u6280\u672f\u517c\u5bb9\u6027\u95ee\u9898\u4ecd\u6709\u5f85\u89e3\u51b3\u3002\u5404\u56fd\u4f7f\u7528\u7684\u4e8c\u7ef4\u7801\u6807\u51c6\u4e0d\u540c\uff08\u4fc4\u7f57\u65af\u4f7f\u7528MultiQR\u548c\u5feb\u901f\u652f\u4ed8\u7cfb\u7edf\uff08\u0421\u0411\u041f\uff09\uff0c\u56fd\u9645\u901a\u7528EMV QR\uff0c\u4e2d\u56fd\u4f7f\u7528\u652f\u4ed8\u5b9d\u4e8c\u7ef4\u7801\uff0c\u5370\u5ea6\u4f7f\u7528UPI\u4e8c\u7ef4\u7801\uff09\uff0c\u6388\u6743\u534f\u8bae\u548c\u6570\u636e\u683c\u5f0f\u4e5f\u5404\u4e0d\u76f8\u540c\uff0c\u8fd9\u610f\u5473\u7740\u5efa\u8bbe\u76f8\u5173\u57fa\u7840\u8bbe\u65bd\u9700\u8981\u6295\u5165\u5927\u91cf\u8d44\u91d1\u548c\u65f6\u95f4\u3002<br>\u53e6\u4e00\u4e2a\u95ee\u9898\u662f\u76d1\u7ba1\u517c\u5bb9\u6027\u3002\u5404\u56fd\u5728\u724c\u7167\u53d1\u653e\u3001\u53cd\u6d17\u94b1\/\u53cd\u6050\u878d\u8d44\u4ee5\u53ca\u6570\u636e\u4fdd\u62a4\u65b9\u9762\u5747\u6709\u5404\u81ea\u7684\u8981\u6c42\u3002\u89e3\u51b3\u4e4b\u9053\u662f\u5728\u6bcf\u4e2a\u53f8\u6cd5\u7ba1\u8f96\u533a\u901a\u8fc7\u5f53\u5730\u6301\u724c\u8fd0\u8425\u5546\u5f00\u5c55\u4e1a\u52a1\u3002BRICS Pay\u5e76\u975e\u5355\u4e00\u7684\u5168\u7403\u5316\u8fd0\u8425\u5546\uff0c\u800c\u662f\u4e00\u4e2a\u7531\u591a\u5bb6\u8fd0\u8425\u5546\u7ec4\u6210\u7684\u8054\u76df\uff0c\u5404\u6210\u5458\u9075\u5b88\u672c\u56fd\u6cd5\u5f8b\uff0c\u5e76\u901a\u8fc7\u6807\u51c6\u5316\u534f\u8bae\u76f8\u4e92\u534f\u4f5c\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-small-font-size is-layout-flow wp-block-quote-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img decoding=\"async\" src=\"http:\/\/bricsmagazine.com\/wp-content\/uploads\/sites\/3\/2026\/09\/brics_pay_logo_cut-1.jpg\" alt=\"\" class=\"wp-image-6108\" style=\"width:150px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u91d1\u7816\u56fd\u5bb6+\uff08BRICS+\uff09\u6280\u672f\u57fa\u7840\u8bbe\u65bd\u7684\u5173\u952e\u8981\u7d20\u53caBRICS Pay\u7684\u53c2\u4e0e<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">BRICS Pay\uff08C2B\u4e0eB2B\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u9762\u5411\u96f6\u552e\u548c\u4f01\u4e1a\u652f\u4ed8\u7684\u652f\u4ed8\u670d\u52a1\u3002<br><em>\u72b6\u6001<\/em>\uff1aC2B\u5c06\u4e8e2026\u5e74\u7b2c\u4e00\u5b63\u5ea6\u542f\u52a8\uff0cB2B\u5c06\u4e8e2026\u5e74\u4e0b\u534a\u5e74\u542f\u52a8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BRICS DCMS\uff08\u53bb\u4e2d\u5fc3\u5316\u8de8\u5883\u62a5\u6587\u4f20\u8f93\u7cfb\u7edf\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53bb\u4e2d\u5fc3\u5316\u7684\u94f6\u884c\u95f4\u91d1\u878d\u62a5\u6587\u4f20\u8f93\u7cfb\u7edf\uff0c\u662fSWIFT\u7684\u66ff\u4ee3\u65b9\u6848\u3002\u5b83\u5e76\u975e\u652f\u4ed8\u7cfb\u7edf\uff0c\u800c\u662f\u94f6\u884c\u95f4\u4f20\u9012\u91d1\u878d\u62a5\u6587\uff08\u8f6c\u8d26\u6307\u4ee4\u3001\u7ed3\u7b97\u786e\u8ba4\u3001\u5355\u636e\u7b49\uff09\u7684\u7cfb\u7edf\u3002\u4e0e\u5728\u6bd4\u5229\u65f6\u8bbe\u6709\u4e2d\u592e\u8282\u70b9\u7684SWIFT\u4e0d\u540c\uff0cDCMS\u88ab\u6784\u5efa\u4e3a\u5206\u5e03\u5728\u6bcf\u4e2a\u53c2\u4e0e\u56fd\u7684\u8282\u70b9\u7f51\u7edc\u3002<br><em>\u72b6\u6001<\/em>\uff1a\u6b63\u5728\u6d4b\u8bd5\u4e2d\uff0c\u8bd5\u70b9\u548c\u5546\u4e1a\u542f\u52a8\u65f6\u95f4\u4e3a2026\u81f32027\u5e74\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BRICS Bridge\uff08m-CBDC Bridge\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8be5\u5e73\u53f0\u6784\u60f3\u7528\u4e8e\u91d1\u7816\u56fd\u5bb6\u592e\u884c\u4e4b\u95f4\u4ee5\u672c\u56fd\u6570\u5b57\u8d27\u5e01\u8fdb\u884c\u7ed3\u7b97\u3002\u8fd9\u5c5e\u4e8e\u6279\u53d1\u5c42\u9762\uff0c\u5373\u592e\u884c\u4e4b\u95f4\u7684\u7ed3\u7b97\uff0c\u800c\u975e\u96f6\u552e\u652f\u4ed8\u3002\u6b64\u7c7b\u5e73\u53f0\u7684\u96cf\u5f62\u5df2\u7ecf\u5b58\u5728\u2014\u2014\u7531\u56fd\u9645\u6e05\u7b97\u94f6\u884c\uff08BIS\uff09\u4ee5\u53ca\u4e2d\u56fd\u3001\u6cf0\u56fd\u3001\u963f\u8054\u914b\u548c\u9999\u6e2f\u7684\u592e\u884c\u5171\u540c\u5f00\u53d1\u7684mBridge\u9879\u76ee\u3002BRICS 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class=\"wp-block-paragraph\">\u6570\u5b57\u8d85\u56fd\u5bb6\u5408\u6210\u8ba1\u4ef7\u4e0e\u6838\u7b97\u5355\u4f4d\uff0c\u65e8\u5728\u7528\u4e8e\u91d1\u7816\u56fd\u5bb6+\u4e4b\u95f4\u7684\u8de8\u5883\u8d38\u6613\u4e0e\u878d\u8d44\u3002\u5b83\u5728\u533a\u5757\u94fe\u5e73\u53f0\u4e0a\u53d1\u884c\uff0c\u5e76\u4ee5\u56fa\u5b9a\u7684\u5b9e\u9645\u50a8\u5907\u8d44\u4ea7\u7bee\u5b50\u4e3a\u652f\u6491\u3002Unit\u662f\u7ed3\u7b97\u4ee3\u5e01\uff0c\u800c\u975e\u4f20\u7edf\u52a0\u5bc6\u8d27\u5e01\uff1a\u5b83\u4f5c\u4e3a\u5b9a\u4ef7\u3001\u5f00\u7968\u548c\u76f8\u4e92\u7ed3\u7b97\u7684\u57fa\u51c6\u4ef7\u503c\uff0c\u800c\u76f8\u5173\u503a\u52a1\u672c\u8eab\u53ef\u7531\u53c2\u4e0e\u65b9\u4ee5\u672c\u5e01\u5c65\u884c\u3002Unit\u7684\u8d44\u4ea7\u7bee\u5b50\u6309\u201c40\/60\u201d\u89c4\u5219\u6784\u5efa\u3002\u5176\u4e2d\uff0c40%\u7684\u4ef7\u503c\u7531\u5b9e\u7269\u9ec4\u91d1\u4fdd\u969c\uff08\u6309\u91cd\u91cf\u8ba1\u4e3a0.4\u514b\uff0c\u800c\u975e\u6309\u9762\u503c\uff09\uff0c60%\u7531\u91d1\u7816\u56fd\u5bb6+\u7684\u672c\u56fd\u8d27\u5e01\u7bee\u5b50\u6784\u6210\uff08\u6309\u8d27\u5e01\u7b49\u503c\u8ba1\u7b97\u76f8\u5f53\u4e8e0.6\u514b\u9ec4\u91d1\uff09\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>\u5982\u679c\u5982\u4e0a\u6240\u8ff0\uff0c\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u5e76\u975e\u5efa\u7acb\u5728\u533a\u5757\u94fe\u4e4b\u4e0a\uff0c\u90a3\u4e48\u4f5c\u4e3a\u5176\u57fa\u7840\u7684\u53bb\u4e2d\u5fc3\u5316\u539f\u5219\u610f\u4e49\u4f55\u5728\uff1f<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\u7684\u53bb\u4e2d\u5fc3\u5316\u539f\u5219\u610f\u5473\u7740\u91c7\u7528\u5206\u5e03\u5f0f\u67b6\u6784\uff0c\u4e0d\u5b58\u5728\u7edf\u4e00\u7684\u96c6\u4e2d\u5f0f\u5904\u7406\u4e0e\u7ed3\u7b97\u3002\u8fd9\u4e0e\u91c7\u7528\u96c6\u4e2d\u5f0f\u57fa\u7840\u8bbe\u65bd\u7684\u4f20\u7edf\u7cfb\u7edf\u6709\u7740\u672c\u8d28\u533a\u522b\u3002\u8be5\u65b9\u5f0f\u5951\u5408\u5f53\u524d\u5173\u4e8e\u6784\u5efa\u7a33\u5065\u3001\u5404\u8282\u70b9\u5730\u4f4d\u5bf9\u7b49\u7cfb\u7edf\u7684\u7406\u5ff5\uff0c\u5e76\u5e26\u6765\u4e00\u7cfb\u5217\u65e0\u53ef\u4e89\u8fa9\u7684\u4f18\u52bf\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9996\u5148\uff0c\u7ef4\u62a4\u4e3b\u6743\u3002\u5404\u56fd\u5bf9\u672c\u56fd\u652f\u4ed8\u7cfb\u7edf\u4fdd\u6301\u5b8c\u5168\u63a7\u5236\u3002\u4efb\u4f55\u4e00\u65b9\u90fd\u65e0\u6cd5\u5355\u65b9\u9762\u5c06\u67d0\u4e2a\u56fd\u5bb6\u4eceBRICS 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