{"id":2993,"date":"2025-05-24T10:37:48","date_gmt":"2025-05-24T02:37:48","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2993"},"modified":"2025-05-24T10:37:48","modified_gmt":"2025-05-24T02:37:48","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e4%b8%8e%e5%8c%ba%e5%9d%97%e9%93%be%e7%9a%84%e7%bb%93%e5%90%88%e5%89%8d%e6%99%af","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/24\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e4%b8%8e%e5%8c%ba%e5%9d%97%e9%93%be%e7%9a%84%e7%bb%93%e5%90%88%e5%89%8d%e6%99%af\/","title":{"rendered":"\u041f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430 \u0432 \u0418\u043d\u0434\u0438\u0438"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts254.mm.bing.net\/th?q=phonepe253\" alt=\"\u041f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430 \u0432 \u0418\u043d\u0434\u0438\u0438\" title=\"\u041f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430 \u0432 \u0418\u043d\u0434\u0438\u0438\"><\/p>\n<p>\u041e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u0435 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0438 \u0441 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0435\u0439 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0431\u043e\u043b\u044c\u0448\u0438\u0435 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b, \u043d\u043e \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0441 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430\u043c\u0438 \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u0438 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b. \u041d\u0438\u0436\u0435 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0438 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u043f\u043e \u0440\u044f\u0434\u0443 \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u043e\u0432:<\/p>\n<h3>I. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0434\u0432\u0438\u0436\u0443\u0449\u0438\u0435 \u0441\u0438\u043b\u044b<\/h3>\n<ol>\n<li><strong>\u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0434\u0438\u0432\u0438\u0434\u0435\u043d\u0434<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \"\u0426\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0418\u043d\u0434\u0438\u044f\" \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u0435\u0442 \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0443\u044e \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0443 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/li>\n<li>RBI \u0437\u0430\u043f\u0443\u0441\u043a\u0430\u0435\u0442 \u043f\u0438\u043b\u043e\u0442\u043d\u044b\u0435 \u043f\u0440\u043e\u0435\u043a\u0442\u044b \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0432\u0430\u043b\u044e\u0442 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0440\u0443\u043f\u0438\u0438), \u0447\u0442\u043e\u0431\u044b \u0443\u0441\u043a\u043e\u0440\u0438\u0442\u044c \u043e\u0446\u0438\u0444\u0440\u043e\u0432\u043a\u0443 \u0441\u0443\u0432\u0435\u0440\u0435\u043d\u043d\u044b\u0445 \u0432\u0430\u043b\u044e\u0442<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u0440\u044b\u043d\u043e\u043a<\/strong><\/li>\n<\/ol>\n<ul>\n<li>UPI \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u043b 10 \u043c\u0438\u043b\u043b\u0438\u0430\u0440\u0434\u043e\u0432 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u043c\u0435\u0441\u044f\u0446, \u0447\u0442\u043e \u0441\u0432\u0438\u0434\u0435\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0443\u0435\u0442 \u043e \u0437\u0440\u0435\u043b\u043e\u0441\u0442\u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/li>\n<li>\u0420\u044b\u043d\u043e\u043a \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0435\u0442 $80 \u043c\u043b\u0440\u0434 \u0432 \u0433\u043e\u0434 (\u0434\u0430\u043d\u043d\u044b\u0435 \u0412\u0441\u0435\u043c\u0438\u0440\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430), \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d \u043c\u043e\u0436\u0435\u0442 \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u043d\u0430 3-5%<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0430\u0434\u0430\u043f\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0421\u043c\u0430\u0440\u0442-\u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u044b \u043c\u043e\u0433\u0443\u0442 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0441\u043b\u043e\u0436\u043d\u044b\u0435 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u044b \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0438<\/li>\n<li>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f DLT \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u0435\u0442 \u0432\u0440\u0435\u043c\u044f \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f \u043c\u0438\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u0441 7 \u0434\u043d\u0435\u0439 \u0434\u043e 4 \u0447\u0430\u0441\u043e\u0432 (\u0434\u0430\u043d\u043d\u044b\u0435 \u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f ICICI Bank)<\/li>\n<\/ul>\n<h3>II. \u0422\u0438\u043f\u0438\u0447\u043d\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f<\/h3>\n<ol>\n<li>\n<p><strong>\u0420\u0435\u0432\u043e\u043b\u044e\u0446\u0438\u044f \u0432 \u0441\u0444\u0435\u0440\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/p>\n<ul>\n<li>\u041d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 Ripple \u0438 Axis \u043f\u043e\u043a\u0430\u0437\u0430\u043d\u043e: \u0432\u0440\u0435\u043c\u044f \u043f\u0440\u0438\u0431\u044b\u0442\u0438\u044f \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u043b\u043e\u0441\u044c \u0441 2 \u0434\u043d\u0435\u0439 \u0434\u043e 2 \u043c\u0438\u043d\u0443\u0442<\/li>\n<li>\u041f\u0440\u0438\u043d\u044f\u0442\u0438\u0435 SWIFT GPI \u0432 \u0418\u043d\u0434\u0438\u0438 \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u043e 78%, \u0441\u043e\u0437\u0434\u0430\u0432\u0430\u044f \u043e\u0441\u043d\u043e\u0432\u0443 \u0434\u043b\u044f \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0446\u0435\u043f\u043e\u0447\u043a\u0438 \u043f\u043e\u0441\u0442\u0430\u0432\u043e\u043a<\/strong><\/p>\n<ul>\n<li>Mahindra Group \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442 Hyperledger \u0434\u043b\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u043e\u0441\u0442\u0430\u0432\u0449\u0438\u043a\u043e\u0432, \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u044f \u0441\u0440\u043e\u043a\u0438 \u0432\u044b\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0437\u0430\u043a\u0430\u0437\u043e\u0432 60%<\/li>\n<li>\u0411\u043b\u043e\u043a\u0447\u0435\u0439\u043d-\u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 TATA Steel \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u0435\u0442 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0441\u043b\u0443\u0447\u0430\u0435\u0432 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0441\u043e \u0441\u0447\u0435\u0442\u0430\u043c\u0438 \u0434\u043e TP401T3T<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u044c \u0438 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438<\/strong><\/p>\n<ul>\n<li>Aadhaar+Blockchain \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u0435\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0441\u043a\u043e\u0440\u0438\u043d\u0433 \u0432 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0439 \u043c\u0435\u0441\u0442\u043d\u043e\u0441\u0442\u0438, \u0443\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044f \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0443 \u043d\u0438\u0436\u0435 8%<\/li>\n<li>\u0424\u0435\u0440\u043c\u0435\u0440\u044b \u0422\u0435\u043b\u0430\u043d\u0433\u0430\u043d\u044b \u043f\u043e\u043b\u0443\u0447\u0430\u044e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u043f\u043e \u0441\u0442\u0430\u0432\u043a\u0430\u043c \u0434\u043e 91 TP3T \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0446\u0435\u043f\u043d\u044b\u0445 \u0441\u043a\u043b\u0430\u0434\u0441\u043a\u0438\u0445 \u0440\u0430\u0441\u043f\u0438\u0441\u043e\u043a<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>III. \u041c\u0430\u0442\u0440\u0438\u0446\u0430 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u043f\u0440\u043e\u0431\u043b\u0435\u043c<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0422\u0438\u043f \u0437\u0430\u0434\u0430\u0447\u0438<\/th>\n<th>\u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0435 \u0432\u044b\u0440\u0430\u0436\u0435\u043d\u0438\u0435<\/th>\n<th>\u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0420\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043d\u0430\u044f \u043d\u0435\u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c<\/td>\n<td>\u0417\u0430\u043a\u043e\u043d\u043e\u043f\u0440\u043e\u0435\u043a\u0442 \u043e \u041a\u041f\u041a \u043d\u0435\u0447\u0435\u0442\u043a\u043e \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442 \u043a\u0440\u0438\u043f\u0442\u043e\u0430\u043a\u0442\u0438\u0432\u044b<\/td>\n<td>\u041c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u043e \u0442\u0438\u043f\u0443 \"\u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u044b\" GSTN<\/td>\n<\/tr>\n<tr>\n<td>\u0417\u0430\u0442\u0440\u0430\u0442\u044b \u043d\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044e \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/td>\n<td>\u0420\u0435\u043a\u043e\u043d\u0441\u0442\u0440\u0443\u043a\u0446\u0438\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u044b UPI \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u0439 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 \u0431\u043e\u043b\u0435\u0435 $$2 \u043c\u043b\u0440\u0434.<\/td>\n<td>\u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u043f\u043e \u0441\u043e\u0437\u0434\u0430\u043d\u0438\u044e \u043c\u0435\u0436\u0446\u0435\u043f\u043e\u0447\u0435\u0447\u043d\u044b\u0445 \u0441\u0432\u044f\u0437\u0435\u0439, \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f NPCI<\/td>\n<\/tr>\n<tr>\n<td>\u041f\u0440\u043e\u0431\u0435\u043b \u0432 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0438 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439<\/td>\n<td>\u0422\u043e\u043b\u044c\u043a\u043e 12% \u041c\u0421\u041f \u043f\u043e\u043d\u0438\u043c\u0430\u044e\u0442, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 \u0441\u043c\u0430\u0440\u0442-\u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u044b<\/td>\n<td>Infosys \u0437\u0430\u043f\u0443\u0441\u043a\u0430\u0435\u0442 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442 \u0434\u043b\u044f \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f \u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u043e\u0432 \u043d\u0430 \u0432\u0438\u0437\u0443\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044e<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>IV. \u041f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043d\u0430 2025 \u0433\u043e\u0434<\/p>\n<ol>\n<li>\n<p><strong>\u043e\u0431\u044a\u0451\u043c \u0440\u044b\u043d\u043a\u0430<\/strong>: \u041f\u0440\u043e\u0433\u043d\u043e\u0437\u0438\u0440\u0443\u0435\u043c\u044b\u0439 CAGR 34% \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0435\u0442 \u0440\u0430\u0437\u043c\u0435\u0440\u0430 \u0432 $12 \u043c\u043b\u0440\u0434 (\u0434\u0430\u043d\u043d\u044b\u0435 NASSCOM)<\/p>\n<\/li>\n<li>\n<p><strong>\u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u043d\u0430 \u0437\u0430\u043d\u044f\u0442\u043e\u0441\u0442\u044c<\/strong>: \u0421\u043e\u0437\u0434\u0430\u0441\u0442 \u0441\u043f\u0440\u043e\u0441 \u043d\u0430 350 000 \u043d\u043e\u0432\u044b\u0445 \u0432\u0438\u0434\u043e\u0432 \u0440\u0430\u0431\u043e\u0447\u0438\u0445 \u043c\u0435\u0441\u0442, \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043d\u0430:<\/p>\n<ul>\n<li>\u0418\u043d\u0436\u0435\u043d\u0435\u0440 \u043f\u043e \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0435 \u043f\u0440\u043e\u0442\u043e\u043a\u043e\u043b\u043e\u0432 DeFi (\u0441\u0440\u0435\u0434\u043d\u044f\u044f \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u0430 250 000 \u0440\u0443\u043f\u0438\u0439 \u0432 \u043c\u0435\u0441\u044f\u0446)<\/li>\n<li>\u0410\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u043e\u0440 CBDC (\u041f\u0440\u044f\u043c\u043e\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>3.<strong>\u041f\u0443\u0442\u044c \u044d\u043a\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u044d\u0432\u043e\u043b\u044e\u0446\u0438\u0438<\/strong>::<\/p>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a \u0422\u0414.<br>\r\n    A [\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 UPI] --&gt; B [\u0440\u0430\u0441\u0447\u0435\u0442\u043d\u044b\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u043e\u043d\u043d\u043e\u0439 \u0446\u0435\u043f\u043e\u0447\u043a\u0438].<br>\r\n    B --&gt; C [\u041a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 BaaS].<br>\r\n    C --&gt; D [\u0440\u043e\u0437\u043d\u0438\u0447\u043d\u043e\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435 CBDC].<br>\r\n<\/code><\/pre>\n<p>\u041f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u043c\u044b\u0435 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u044f:<\/p>\n<ol>\n<li>\u0420\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u0432 \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0440\u0443\u043f\u0438\u0438 \u043f\u043e\u0434 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e\u043c RBI;<\/li>\n<li>\u0412\u043e\u0437\u043c\u043e\u0436\u043d\u044b\u0439 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a Web3 \u043e\u0442 Reliance Jio;<\/li>\n<li>\u0417\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043f\u0440\u043e\u0433\u0440\u0435\u0441\u0441 SEBI \u0432 \u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u0438 STO (Security Token Offering).<\/li>\n<\/ol>\n<p>\u0422\u0435\u043a\u0443\u0449\u0435\u0435 \u043e\u043a\u043d\u043e \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043e\u043a\u043e\u043b\u043e 18 \u043c\u0435\u0441\u044f\u0446\u0435\u0432, \u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u043c \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f\u043c \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u0441\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u0438\u0442\u044c\u0441\u044f \u043d\u0430 \u044d\u0442\u043e\u043c \u043c\u0430\u043a\u0435\u0442\u0435.<br \/>\n\u2713 \u041e\u0431\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u044b, \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0439 \u0441 CBDC<br \/>\n\u2713 \u0420\u0435\u0448\u0435\u043d\u0438\u044f \u043f\u043e \u0442\u043e\u0440\u0433\u043e\u0432\u043e\u043c\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u043c\u0430\u043b\u043e\u0433\u043e \u0438 \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430<br \/>\n\u2713 DAO-\u043c\u043e\u0434\u0435\u043b\u044c \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0441\u0431\u043e\u0440\u0430 \u0434\u0430\u043d\u043d\u044b\u0445<\/p>\n<h3><strong>\u0423\u0433\u043b\u0443\u0431\u043b\u0435\u043d\u0438\u0435 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430 \u0432 \u0418\u043d\u0434\u0438\u0438 (\u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0435\u043d\u0438\u0435)<\/strong><\/h3>\n<h4><strong>V. \u0410\u043d\u0430\u043b\u0438\u0437 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0440\u0435\u0434\u044b \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0441\u0445\u0435\u043c<\/strong><\/h4>\n<p>\u0412 \u043d\u0430\u0441\u0442\u043e\u044f\u0449\u0435\u0435 \u0432\u0440\u0435\u043c\u044f \u043d\u0430 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u043c \u0440\u044b\u043d\u043a\u0435 \u0441\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043b\u0438\u0441\u044c \u0442\u0440\u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u0438 \u0438\u0433\u0440\u043e\u043a\u043e\u0432, \u043a\u0430\u0436\u0434\u0430\u044f \u0438\u0437 \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0438\u043c\u0435\u0435\u0442 \u0441\u0432\u043e\u044e \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044e:<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u0422\u0438\u043f \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u0430<\/strong><\/th>\n<th><strong>\u041f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f\/\u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f<\/strong><\/th>\n<th><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0434\u043e\u0441\u0442\u043e\u0438\u043d\u0441\u0442\u0432\u0430<\/strong><\/th>\n<th><strong>\u0422\u0435\u043a\u0443\u0449\u0438\u0439 \u0444\u043e\u043a\u0443\u0441 \u043c\u0430\u043a\u0435\u0442\u0430<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0422\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f<\/td>\n<td>SBI, HDFC Bank<\/td>\n<td>\u0421\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u044b\u043c \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c, \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0430\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u0441\u043a\u0430\u044f \u0431\u0430\u0437\u0430<\/td>\n<td>\u041f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 CBDC, \u0440\u0435\u0444\u043e\u0440\u043c\u0430 \u0446\u0435\u043f\u043e\u0447\u043a\u0438 \u0442\u043e\u0440\u0433\u043e\u0432\u043e\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/td>\n<\/tr>\n<tr>\n<td>\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0433\u0438\u0433\u0430\u043d\u0442<\/td>\n<td>Tata Digital, \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b Jio<\/td>\n<td>\u041a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 (Jio: 420 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432), \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438<\/td>\n<td>\u041e\u043f\u043b\u0430\u0442\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u0441 Web3 Super App<\/td>\n<\/tr>\n<tr>\n<td>\u0421\u0442\u0430\u0440\u0442\u0430\u043f\u044b Polygon (\u0440\u0430\u043d\u0435\u0435 Matic), InstaDApp\u00a0\u00a0\u00a0<\/td>\n<td>\u0412 \u043e\u0441\u043d\u043e\u0432\u0435 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043f\u0440\u043e\u0442\u043e\u043a\u043e\u043b\u043e\u0432 \u043b\u0435\u0436\u0438\u0442 \u0433\u0438\u0431\u043a\u0430\u044f \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430<\/td>\n<td>DeFi-UPI Gateway Development<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u0421\u0440\u0435\u0434\u0438 \u043f\u0440\u0438\u043c\u0435\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0434\u0438\u043d\u0430\u043c\u0438\u043a:<\/p>\n<ul>\n<li><strong>\u041f\u0440\u043e\u0435\u043a\u0442 SBI \"\u0426\u0435\u043f\u043d\u0430\u044f \u0441\u0432\u044f\u0437\u044c\"<\/strong>: \u0414\u043e\u0441\u0442\u0443\u043f 200 000 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432-\u043f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u0432 \u043a \u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u0432\u044b\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0441\u0447\u0435\u0442\u043e\u0432 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430, \u0447\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442 \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u0442\u044c \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u043e\u0432 \u043d\u0430 30%<\/li>\n<li><strong>\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0431\u0430\u043d\u043a Paytm<\/strong>\u041f\u043e\u0434\u0430\u0435\u0442 \u0437\u0430\u044f\u0432\u043a\u0443 \u043d\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0438 VASP, \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442 \u0437\u0430\u043f\u0443\u0441\u0442\u0438\u0442\u044c \u0441\u0435\u0440\u0432\u0438\u0441 \u043e\u0431\u043c\u0435\u043d\u0430 \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u043d\u0435\u0442<\/li>\n<li><strong>\u041c\u0430\u0442\u0435\u0440\u0438\u043d\u0441\u043a\u0430\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f WazirX \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u0435\u0442 Rupaya Pay<\/strong>\u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0435 \u043c\u043e\u0434\u0435\u043b\u0438 \u0431\u0435\u0437 \u0432\u0437\u0438\u043c\u0430\u043d\u0438\u044f \u043f\u043b\u0430\u0442\u044b \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 P2P<\/li>\n<\/ul>\n<p>VI. \u041f\u0440\u043e\u0440\u044b\u0432\u043d\u044b\u0435 \u043c\u043e\u043c\u0435\u043d\u0442\u044b \u0432 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/p>\n<ol>\n<li>\n<p><em><strong>\u0420\u0435\u0448\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0433\u0438\u0431\u0440\u0438\u0434\u043d\u043e\u0439 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u044b<\/strong><\/em><\/p>\n<ul>\n<li>\u0423\u0440\u043e\u0432\u0435\u043d\u044c \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 UPI + \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043c\u0430\u0441\u0448\u0442\u0430\u0431\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f Ethereum Layer2 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Polygon zkEVM).<br \/>\n-\u0418\u0437\u043c\u0435\u0440\u0435\u043d\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435: TPS \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0441\u044f \u0441 200 \u0434\u043e 9 000, \u0440\u0430\u0441\u0445\u043e\u0434 \u0433\u0430\u0437\u0430 \u0443\u043c\u0435\u043d\u044c\u0448\u0438\u043b\u0441\u044f \u043d\u0430 981 TP3T (\u043e\u0442\u0447\u0435\u0442 \u043e \u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 TechMahindra)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>\u0420\u0435\u0432\u043e\u043b\u044e\u0446\u0438\u044f \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438<\/strong><\/em><\/p>\n<ul>\n<li>\u0412\u043e\u0441\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435 \u0445\u044d\u0448\u0430 Aadhaar + \u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f DID (\u0434\u0435\u0446\u0435\u043d\u0442\u0440\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438):\n<pre><code class=\"language-python\"># \u041f\u0440\u0438\u043c\u0435\u0440 \u043f\u0441\u0435\u0432\u0434\u043e\u043a\u043e\u0434\u0430: \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u044f \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430 KYC<br>\r\n\u0435\u0441\u043b\u0438 verify_aadhaar_hash(user_hash) \u0438 check_chain_credential(did).<br>\r\n    auto_approve_loan() <br>\r\n<\/code><\/pre>\n<\/li>\n<li>\u0414\u0435\u043b\u043e ICICI Bank \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u0443\u0435\u0442 \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0440\u0443\u0447\u043d\u044b\u0445 \u043f\u0440\u043e\u0432\u0435\u0440\u043e\u043a 70%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>\u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 IoT<\/strong><\/em><br \/>\n\u041f\u0440\u043e\u0435\u043a\u0442 \"\u0443\u043c\u043d\u044b\u0445\" \u0441\u0447\u0435\u0442\u0447\u0438\u043a\u043e\u0432 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 Tata Power \u0432 \u041c\u0443\u043c\u0431\u0430\u0438:<\/p>\n<ul>\n<li>\u0414\u0430\u0442\u0447\u0438\u043a\u0438 \u0441\u0447\u0435\u0442\u0447\u0438\u043a\u043e\u0432 \u0437\u0430\u043f\u0443\u0441\u043a\u0430\u044e\u0442 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u044b \u043d\u0430 \u0446\u0435\u043f\u043e\u0447\u043a\u0435<\/li>\n<li>\u041c\u0438\u043a\u0440\u043e\u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0441 \u043d\u0443\u043b\u0435\u0432\u043e\u0439 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0435\u0439 \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0441\u0435\u0442\u0438 \u0437\u0430\u043f\u0443\u0442\u044b\u0432\u0430\u043d\u0438\u044f IOTA<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>VII. \u0420\u0430\u0434\u0430\u0440\u043d\u0430\u044f \u0434\u0438\u0430\u0433\u0440\u0430\u043c\u043c\u0430 \u0440\u0438\u0441\u043a\u043e\u0432 (2024)<\/p>\n<pre><code class=\"language-mermaid\">\u043f\u0438\u0440\u043e\u0433 <br>\r\n    \u041d\u0430\u0437\u0432\u0430\u043d\u0438\u0435 \u0422\u041e\u041f-5 \u0412\u0435\u0441\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u0440\u0438\u0441\u043a\u0430<br>\r\n    \"\u0420\u0435\u0433\u0443\u043b\u044f\u0440\u043d\u043e\u0435 \u043e\u0442\u0441\u0442\u0430\u0432\u0430\u043d\u0438\u0435\" :35%<br>\r\n    \"\u0423\u044f\u0437\u0432\u0438\u043c\u043e\u0441\u0442\u044c \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0437\u0430\u043a\u0440\u044b\u0442\u044b\u043c\u0438 \u043a\u043b\u044e\u0447\u0430\u043c\u0438\":25%<br>\r\n    \"\u0421\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u0448\u043e\u043a \u0434\u043e\u043b\u043b\u0430\u0440\u0430\":20% <br>\r\n    \"\u0423\u0433\u0440\u043e\u0437\u0430 \u043a\u0432\u0430\u043d\u0442\u043e\u0432\u044b\u0445 \u0432\u044b\u0447\u0438\u0441\u043b\u0435\u043d\u0438\u0439\":12%<br>\r\n    \"\u041a\u0443\u043b\u044c\u0442\u0443\u0440\u043d\u043e\u0435 \u0441\u043e\u043f\u0440\u043e\u0442\u0438\u0432\u043b\u0435\u043d\u0438\u0435 (\u0434\u0435\u043d\u0435\u0436\u043d\u0430\u044f \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c)\":8%<br>\r\n<\/code><\/pre>\n<p>\u041f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u043c\u044b\u0435 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u043f\u0440\u0435\u043e\u0434\u043e\u043b\u0435\u043d\u0438\u044f:<\/p>\n<ol>\n<li><em><strong>\u041e\u0431\u0445\u043e\u0434 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u0430\u0440\u0431\u0438\u0442\u0440\u0430\u0436\u0430<\/strong><\/em>: \u041f\u0440\u0438\u043d\u044f\u0442\u0438\u0435 \"\u0434\u0432\u0443\u0445\u043a\u0430\u043d\u0430\u043b\u044c\u043d\u043e\u0439\" \u0441\u0438\u0441\u0442\u0435\u043c\u044b - \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u043d\u0430\u044f RBI \u0447\u0430\u0441\u0442\u043d\u0430\u044f \u0446\u0435\u043f\u043e\u0447\u043a\u0430 \u0434\u043b\u044f \u0432\u043d\u0443\u0442\u0440\u0435\u043d\u043d\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0438 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0439 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u043f\u0443\u0431\u043b\u0438\u0447\u043d\u044b\u0439 \u043a\u0430\u043d\u0430\u043b \u0446\u0435\u043f\u043e\u0447\u043a\u0438 \u0434\u043b\u044f \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430.<\/li>\n<li><em><strong>\u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u0435 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438<\/strong><\/em> ::<br \/>\n\u00a0 \u00a0- \u0410\u043f\u043f\u0430\u0440\u0430\u0442\u043d\u044b\u0439 \u043c\u043e\u0434\u0443\u043b\u044c HSM \u0434\u043b\u044f \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u044f \u043a\u043b\u044e\u0447\u0435\u0439 (\u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c \u0441 FIPS 140-3) \u00a0<br \/>\n\u00a0 \u00a0- \u041f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u043e\u0441\u0442\u044c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 MPC Multi-Party Computing (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 Fireblocks)<\/li>\n<\/ol>\n<p>VIII. \u041f\u0440\u043e\u0433\u043d\u043e\u0437 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u044d\u0442\u0430\u043f\u043e\u0432 \u043d\u0430 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0435 18 \u043c\u0435\u0441\u044f\u0446\u0435\u0432<\/p>\n<p>2024 Q3.<br \/>\n\u2713 NPCI \u0432\u044b\u043f\u0443\u0441\u043a\u0430\u0435\u0442 \u0411\u0435\u043b\u0443\u044e \u043a\u043d\u0438\u0433\u0443 \u043f\u043e \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0441\u0442\u0438 UPI \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430<br \/>\n\u2713 Reliance Retail \u0437\u0430\u043f\u0443\u0441\u043a\u0430\u0435\u0442 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0443 NFT Membership Rewards<\/p>\n<p>2025 Q1.<br \/>\n\u2713 \u0426\u0438\u0444\u0440\u043e\u0432\u0430\u044f \u0440\u0443\u043f\u0438\u044f RBI \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0430 \u043e\u0442\u043c\u0435\u0442\u043a\u0438 \u0432 10 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u0434\u0435\u043d\u044c<br \/>\n\u2713 SEBI \u043e\u0434\u043e\u0431\u0440\u0438\u043b \u043f\u0435\u0440\u0432\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 STO \u0432 \u0441\u0444\u0435\u0440\u0435 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438<\/p>\n<p>2025 Q2.<br \/>\n\u2727 Polygon \u0437\u0430\u0432\u0435\u0440\u0448\u0430\u0435\u0442 \u0441\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044e \u043d\u0430\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u043f\u043e\u043b\u043d\u043e\u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0435\u0448\u0435\u043d\u0438\u044f CBDC<\/p>\n<hr>\n<h3>[\u041f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043a \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044e] \u0414\u043b\u044f \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u044b\u0445 \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u043e\u0432 \u0440\u044b\u043d\u043a\u0430<\/h3>\n<p><em>\ud83d\udd35 \u0411\u0430\u043d\u043a\u0438 \u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438.<\/em> \u00a0\u00a0<br \/>\n1\ufe0f\u20e3 \u041d\u0435\u043c\u0435\u0434\u043b\u0435\u043d\u043d\u043e \u0441\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043c\u0435\u0436\u0432\u0435\u0434\u043e\u043c\u0441\u0442\u0432\u0435\u043d\u043d\u0443\u044e \u0440\u0430\u0431\u043e\u0447\u0443\u044e \u0433\u0440\u0443\u043f\u043f\u0443 \u0434\u043b\u044f \u0438\u0437\u0443\u0447\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0435\u043a\u0442\u0430 RBI \u043f\u043e \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u044e \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438 \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0433\u043e \u0443\u0447\u0435\u0442\u0430. \u00a0\u00a0<br \/>\n2\ufe0f\u20e3 \u041f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442 \u043e\u0442\u0434\u0430\u0435\u0442\u0441\u044f \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043c\u043e\u0434\u0443\u043b\u0435\u0439 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0446\u0435\u043f\u043e\u0447\u0435\u043a \u043f\u043e\u0441\u0442\u0430\u0432\u043e\u043a<\/p>\n<p><em>\ud83d\udfe2 \u0421\u0442\u0430\u0440\u0442\u0430\u043f\u044b.<\/em> \u00a0\u00a0<br \/>\n\u2705 \u041f\u043e\u0434\u0430\u0439\u0442\u0435 \u0437\u0430\u044f\u0432\u043a\u0443 \u043d\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0439 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0438 \u043d\u0430 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d (\u0434\u043e $500 000) \u043e\u0442 IBEF (India Brand Equity Foundation) \u00a0\u00a0<br \/>\n\u2705 \u0424\u043e\u043a\u0443\u0441 \u043d\u0430 \u0432\u0435\u0440\u0442\u0438\u043a\u0430\u043b\u044f\u0445, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a \u043f\u0440\u043e\u0441\u043b\u0435\u0436\u0438\u0432\u0430\u0435\u043c\u043e\u0441\u0442\u044c \u0441\u043c\u0430\u0440\u0442-\u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u043e\u0432 \u0434\u043b\u044f \u0444\u0430\u0440\u043c\u0430\u0446\u0435\u0432\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043b\u043e\u0433\u0438\u0441\u0442\u0438\u043a\u0438 \u0445\u043e\u043b\u043e\u0434\u043e\u0432\u043e\u0439 \u0446\u0435\u043f\u0438<\/p>\n<p><em>\ud83d\udfe1Investor Focus Subject.<\/em> \u00a0\u00a0<br \/>\n\u2b50\ufe0fTata Elxsi (\u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0447\u0438\u043a \u043f\u0440\u043e\u043c\u0435\u0436\u0443\u0442\u043e\u0447\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430) \u00a0 \u00a0<br \/>\n\u2b50\ufe0fLemonn.io (API-\u043f\u0440\u043e\u0432\u0430\u0439\u0434\u0435\u0440 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430)<\/p>\n<p>\u041d\u0435 \u0441\u0442\u0435\u0441\u043d\u044f\u0439\u0442\u0435\u0441\u044c \u043f\u0440\u043e\u0441\u0438\u0442\u044c \u043e \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u043c \u0443\u0433\u043b\u0443\u0431\u043b\u0435\u043d\u043d\u043e\u043c \u0430\u043d\u0430\u043b\u0438\u0437\u0435 \u0442\u043e\u0439 \u0438\u043b\u0438 \u0438\u043d\u043e\u0439 \u043e\u0431\u043b\u0430\u0441\u0442\u0438. \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \"\u041a\u0430\u043a \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u0443\u044e \u043b\u043e\u0433\u0438\u043a\u0443 \u0441\u043c\u0430\u0440\u0442-\u043a\u043e\u043d\u0442\u0440\u0430\u043a\u0442\u0430, \u0447\u0442\u043e\u0431\u044b \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u043e\u0432\u0430\u0442\u044c \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c GST \u0432 \u0418\u043d\u0434\u0438\u0438\" \u0438\u043b\u0438 \"\u0421\u0440\u0430\u0432\u043d\u0438\u0442\u0435 \u043f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u043e\u0441\u0442\u044c Polygon \u0438 Solana \u0434\u043b\u044f \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439\".<\/p>","protected":false},"excerpt":{"rendered":"<p>\u041e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u0435 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0438 \u0441 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0435\u0439 \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0431\u043e\u043b\u044c\u0448\u0438\u0435 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u044b, \u043d\u043e \u0442\u0430\u043a\u0436\u0435 \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0441 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u0438\u0432\u043d\u044b\u043c\u0438...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[38],"tags":[],"class_list":["post-2993","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u652f\u4ed8\u4e0e\u533a\u5757\u94fe\u7684\u7ed3\u5408\u524d\u666f - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, 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