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{{Infobox company
| name = BRICS PAY
| logo =
| type =
| slogan =
| foundation =
| location =
| num_employees =
| industry = 通信
| products =
| homepage = {{official URL}}
}}
'''BRICS PAY'''是由[[金磚國家]]推出的一个去中心化和[[去美元化]]的[[支付系統]]。它类似于中国的[[人民幣跨境支付系統]]以及欧洲[[环球银行金融电信协会]]的SWIFT系統。 <ref name=":0">{{Cite web|title=BRICS PAY|url=https://www.brics-pay.com/|website=brics-pay.com|access-date=2023-10-03|archive-date=2024-10-18|archive-url=https://archive.today/20241018005843/https://brics-pay.com/|dead-url=no}}</ref>BRICS PAY可让金砖国家之间用本国货币來收款和付款。 <ref>{{Cite news|date=2023-08-24|title=BRICS payment system would not replace SWIFT -S.Africa finance minister|language=en|work=Reuters|url=https://www.reuters.com/world/africa/brics-payment-system-would-not-replace-swift-safrica-finance-minister-2023-08-24/|first=Kopano|author=Gumbi|first2=Promit|author2=Mukherjee|first3=Anait|last3=Miridzhanian|accessdate=2023-10-03|archive-date=2023-08-25|archive-url=https://archive.today/20230825134757/https://www.reuters.com/world/africa/brics-payment-system-would-not-replace-swift-safrica-finance-minister-2023-08-24/|dead-url=no}}</ref><ref>{{Cite journal |last=Liu |first=Zongyuan Zoe |last2=Papa |first2=Mihaela |title=Can BRICS De-dollarize the Global Financial System? |url=https://www.cambridge.org/core/elements/can-brics-dedollarize-the-global-financial-system/0AEF98D2F232072409E9556620AE09B0 |url-status=live |journal=Elements in the Economics of Emerging Markets |language=en |date=February 2022 |doi=10.1017/9781009029544 |archive-url=https://web.archive.org/web/20240205143121/https://www.cambridge.org/core/elements/can-brics-dedollarize-the-global-financial-system/0AEF98D2F232072409E9556620AE09B0 |archive-date=Feb 5, 2024 |via=Cambridge Core |doi-access=free}}</ref><ref>{{Cite news|date=2019-11-14|title=Russia says BRICS nations favour idea of common payment system|language=en|work=Reuters|url=https://www.reuters.com/article/uk-brics-summit-russia-fx-idUSKBN1XO1KQ|first=Andrey|author=Ostroukh|accessdate=2023-10-03|archive-date=2022-10-23|archive-url=https://web.archive.org/web/20221023050617/https://www.reuters.com/article/uk-brics-summit-russia-fx-idUSKBN1XO1KQ|dead-url=no}}</ref><ref>{{Cite web|title=BRICS countries could launch integrated payment system|url=https://www.intellinews.com/brics-countries-could-launch-integrated-payment-system-157788/|website=bne IntelliNews|date=2019-03-12|language=en|access-date=2023-10-03|archive-date=2024-02-05|archive-url=https://web.archive.org/web/20240205141933/https://www.intellinews.com/brics-countries-could-launch-integrated-payment-system-157788/|dead-url=no}}</ref><ref>{{Cite web|title=BRICS PAY|url=https://brics-pay.com/|website=brics-pay.com|access-date=2024-09-30|archive-date=2024-10-18|archive-url=https://archive.today/20241018005843/https://brics-pay.com/|dead-url=no}}</ref><ref>{{Cite web|title=DCLS-EN1|url=https://brics-pay.com/files/DCMS-EN1.pdf|website=BRICS DCMS|date=2024-10-23|url-status=no|access-date=2024-10-23|archive-date=2025-01-01|archive-url=https://web.archive.org/web/20250101144450/https://www.brics-pay.com/files/DCMS-EN1.pdf}}</ref>

该系统项目由金砖国家工商理事会于2018年发起。合作运营金砖支付的团队由来自金砖国家四个创始国以及[[南非]]的金融、银行技术专家组成。金砖支付的目的是降低国际支付的成本和复杂性，鼓励金砖国家成员国开展国际合作。<ref name=":0" />

== 系统 ==
BRICS PAY将采用一种去中心化的跨境消息系统（{{langx|en|Decentralized Cross-border Message System}}，简称“DCMS”），由[[圣彼得堡国立大学]]中心引入。DCMS无需中心所有者或主节点，参与者自己管理节点，使系统更难以被外部控制或干扰。系统无强制交易费用，但参与者可选择互相收取费用。DCMS自动在参与者间建立交易路径，即使直连传输不可用，也确保通信的可靠性。其目标是减少交易对手之间的结算不平衡。所有消息将被加密并签名，且提供多种加密方式。参与者还可以自行设置货币转换汇率和交易限额。在推荐设置下，DCMS每秒可处理20,000条消息，对硬件要求也较低。此外，DCMS计划在试点阶段通过后开源。<ref>{{Cite web|title=Decentralized Cross-border message system|url=https://brics-pay.com/files/DCMS-EN1.pdf|access-date=2024-10-26|archive-date=2025-01-01|archive-url=https://web.archive.org/web/20250101144450/https://www.brics-pay.com/files/DCMS-EN1.pdf|dead-url=no}}</ref>

== 参閱 ==
* [[SWIFT]]
* [[人民币跨境支付系统]]
* [[单一欧元支付区]]
* [[数字货币]]

==参考文献==
{{reflist|2}}

==外部链接==
* {{Official website}}

{{BRICS}}

[[Category:支付系统]]
[[Category:金砖国家]]

BRICS PAY - 版本历史

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