{"id":2502,"date":"2025-05-10T16:26:02","date_gmt":"2025-05-10T08:26:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2502"},"modified":"2025-05-10T16:26:02","modified_gmt":"2025-05-10T08:26:02","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e6%a0%b8%e5%bf%83%e7%bb%93%e6%9e%84","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e6%a0%b8%e5%bf%83%e7%bb%93%e6%9e%84\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts49.mm.bing.net\/th?q=paytm48\" alt=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784\" title=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784\"><\/p>\n<h1>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784<\/h1>\n<h2>\u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u7684\u5d1b\u8d77<\/h2>\n<p>\u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7ecf\u5386\u4e86\u524d\u6240\u672a\u6709\u7684\u53d8\u9769\u4e0e\u589e\u957f\u3002\u4f5c\u4e3a\u5168\u7403\u7b2c\u4e8c\u5927\u4eba\u53e3\u5927\u56fd\u548c\u5feb\u901f\u589e\u957f\u7684\u7ecf\u6d4e\u4f53\uff0c\u5370\u5ea6\u7684\u91d1\u878d\u79d1\u6280\u9886\u57df\u7279\u522b\u662f\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u5c55\u73b0\u51fa\u60ca\u4eba\u7684\u6d3b\u529b\u3002\u672c\u6587\u5c06\u5168\u9762\u89e3\u6790\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u6838\u5fc3\u67b6\u6784\u3001\u4e3b\u8981\u53c2\u4e0e\u8005\u3001\u6280\u672f\u57fa\u7840\u4ee5\u53ca\u672a\u6765\u53d1\u5c55\u8d8b\u52bf\u3002<\/p>\n<p>\u6839\u636e\u5370\u5ea6\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8(NPCI)\u7684\u6570\u636e\uff0c2022\u5e74\u5370\u5ea6\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3(UPI)\u4ea4\u6613\u91cf\u8fbe\u5230740\u4ebf\u7b14\uff0c\u603b\u91d1\u989d\u8d85\u8fc7126\u4e07\u4ebf\u5362\u6bd4(\u7ea6\u54081.5\u4e07\u4ebf\u7f8e\u5143)\uff0c\u8fd9\u4e00\u6570\u5b57\u8f83\u524d\u4e00\u5e74\u589e\u957f\u4e86\u8fd190%\u3002\u5982\u6b64\u8fc5\u731b\u7684\u53d1\u5c55\u901f\u5ea6\u4f7f\"India Stack\"\u2014\u2014\u5370\u5ea6\u7684\u6570\u5b57\u516c\u5171\u57fa\u7840\u8bbe\u65bd\u6210\u4e3a\u5168\u7403\u77a9\u76ee\u7684\u5178\u8303\u3002<\/p>\n<h2>\u4e00\u3001\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u76d1\u7ba1\u6846\u67b6<\/h2>\n<h3>1.1 \u4e2d\u592e\u94f6\u884c\u7684\u6838\u5fc3\u89d2\u8272<\/h3>\n<p><strong>\u50a8\u5907\u94f6\u884c(RBI)<strong>\u4f5c\u4e3a\u5370\u5ea6\u7684\u4e2d\u592e\u94f6\u884c\uff0c\u662f\u652f\u4ed8\u7cfb\u7edf\u7684\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\u3002RBI\u901a\u8fc7\u300a2007\u5e74\u652f\u4ed8\u4e0e\u7ed3\u7b97\u7cfb\u7edf\u6cd5\u6848\u300b\u6388\u6743\u5bf9\u5404\u7c7b\u652f\u4ed8\u7cfb\u7edf\u8fdb\u884c\u76d1\u7763\u548c\u7ba1\u7406\u3002\u5176\u4e0b\u8bbe\u7684<\/strong>\u4ed8\u6b3e\u4e0e\u7ed3\u7b97\u53f8<\/strong>(DPSS)\u4e13\u95e8\u8d1f\u8d23\u5236\u5b9a\u653f\u7b56\u5e76\u76d1\u7763\u6240\u6709\u96f6\u552e\u548c\u5927\u989d\u7535\u5b50\u8d44\u91d1\u8f6c\u79fb\u673a\u5236\u3002<\/p>\n<p>RBI\u8fd1\u5e74\u6765\u7684\u76d1\u7ba1\u91cd\u70b9\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u786e\u4fdd\u5404\u7c7b\u578b\u91d1\u878d\u673a\u6784\u5728\u516c\u5e73\u73af\u5883\u4e2d\u7ade\u4e89<\/li>\n<li>\u63a8\u52a8\u666e\u60e0\u91d1\u878d\u76ee\u6807\u7684\u5b9e\u73b0<\/li>\n<li>\u7ef4\u62a4\u6d88\u8d39\u8005\u6743\u76ca\u548c\u6570\u636e\u5b89\u5168<\/li>\n<li>\u4fc3\u8fdb\u521b\u65b0\u540c\u65f6\u63a7\u5236\u7cfb\u7edf\u6027\u98ce\u9669<\/li>\n<\/ul>\n<h3>1.2 NPCI\u7684\u5173\u952e\u4f5c\u7528<\/h3>\n<p>\u56fd\u5bb6\u4ed8\u6b3e\u516c\u53f8(NPCI)\u662f\u7531RBI\u548c\u94f6\u884c\u4e1a\u534f\u4f1a\u5171\u540c\u6210\u7acb\u7684\u4f1e\u5f62\u7ec4\u7ec7\uff0c\u8d1f\u8d23\u8fd0\u8425\u591a\u4e2a\u56fd\u5bb6\u7ea7\u96f6\u552e\u4ed8\u6b3e\u7cfb\u7edf\u548c\u89e3\u51b3\u65b9\u6848\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>NPCI\u8fd0\u8425\u7684\u4e3b\u8981\u5e73\u53f0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>UPI (\u7edf\u4e00\u4ed8\u6b3e\u63a5\u53e3)<\/td>\n<\/tr>\n<tr>\n<td>IMPS (\u5373\u65f6\u4ed8\u6b3e\u670d\u52a1)<\/td>\n<\/tr>\n<tr>\n<td>NEFT (\u5168\u56fd\u7535\u5b50\u8d44\u91d1\u8f6c\u8d26)<\/td>\n<\/tr>\n<tr>\n<td>RTGS (\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf)<\/td>\n<\/tr>\n<tr>\n<td>RuPay\u501f\u8bb0\u5361\u7f51\u7edc<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>NPCI\u91c7\u7528\u94f6\u884c\u95f4\u5408\u4f5c\u6a21\u5f0f\u800c\u975e\u7eaf\u5546\u4e1a\u8fd0\u4f5c\u65b9\u5f0f\u8fd0\u884c\u8fd9\u4e9b\u5173\u952e\u57fa\u7840\u8bbe\u65bd\u3002<\/p>\n<p>\u4e8c\u3001\u6838\u5fc3\u6280\u672f\u67b6\u6784\u5256\u6790<\/p>\n<p>2.1 India Stack\u56db\u5c42\u6a21\u578b<\/p>\n<h4><strong>\u7b2c\u4e00\u5c42\uff1a\u8eab\u4efd\u8bc6\u522b(Aadhaar)<\/strong><\/h4>\n<p>Aadhaar\u662f\u5168\u7403\u6700\u5927\u7684\u751f\u7269\u8bc6\u522bID\u9879\u76ee\u4e4b\u4e00\uff1a<\/p>\n<ul>\n<li>12\u4f4d\u552f\u4e00\u8eab\u4efd\u53f7\u7801<\/li>\n<li>\u57fa\u4e8e\u6307\u7eb9\/\u8679\u819c\u7b49\u751f\u7269\u7279\u5f81\u9a8c\u8bc1<\/li>\n<li>\u5df2\u8986\u76d699%\u7684\u6210\u5e74\u5c45\u6c11<\/li>\n<\/ul>\n<h4><strong>\u7b2c\u4e8c\u5c42\uff1a\u7edf\u4e00\u63a5\u53e3(UPI)<\/strong><\/h4>\n<p>UPI\u5df2\u6210\u4e3a\u79fb\u52a8\u652f\u4ed8\u7684\u4ee3\u540d\u8bcd\uff1a<\/p>\n<pre><code>\u5de5\u4f5c\u539f\u7406\u793a\u4f8b:<br>\r\n\u7528\u6237A \u2192 UPI\u5e94\u7528 \u2192 NPCI\u670d\u52a1\u5668 \u2192\u63a5\u6536\u65b9B\u8d26\u6237  <br>\r\n<\/code><\/pre>\n<p>\u652f\u6301\u529f\u80fd\u5305\u62ec\uff1a<br \/>\n\u2714\ufe0f P2P\u8f6c\u8d26 \u2714\ufe0f\u5546\u6237\u626b\u7801\u4ed8 \u2714\ufe0f\u8d26\u5355\u7f34\u7eb3<\/p>\n<h4><strong>\u7b2c\u4e09\u5c42\uff1a\u6570\u636e\u5171\u4eab(DEPA)<\/strong><\/h4>\n<p>\u6570\u636e Empowerment and Protection Architecture\u5141\u8bb8\u7528\u6237\u5728\u63a7\u5236\u4e2a\u4eba\u8d22\u52a1\u6570\u636e\u7684\u524d\u63d0\u4e0b\u6388\u6743\u7b2c\u4e09\u65b9\u8bbf\u95ee\u7279\u5b9a\u4fe1\u606f\u4ee5\u83b7\u53d6\u66f4\u597d\u7684\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<h4><strong>\u7b2c\u56db\u5c42: eKYC &amp; eSign<\/strong><\/h4>\n<p>\u6570\u5b57\u5316\u4e86\u89e3\u5ba2\u6237\u6d41\u7a0b(eKYC):<br \/>\n\u25cf Aadhaar OTP\u9a8c\u8bc1\u4ee3\u66ff\u7eb8\u8d28\u6587\u4ef6<br \/>\n\u25cf\u5f00\u6237\u65f6\u95f4\u4ece\u6570\u5929\u7f29\u77ed\u81f3\u5206\u949f\u7ea7<\/p>\n<p>2.2 API\u7ecf\u6d4e\u751f\u6001\u5708<\/p>\n<p>\u5f00\u653eAPI\u6807\u51c6\u4fc3\u8fdb\u4e86FinTech\u516c\u53f8\u4e0e\u4f20\u7edf\u94f6\u884c\u7684\u534f\u4f5c\u5173\u7cfb:<\/p>\n<pre><code class=\"language-mermaid\">graph LR;<br>\r\n    FinTech\u516c\u53f8--&gt;\u94f6\u884cAPI;<br>\r\n    \u5546\u5bb6APP--&gt;UPISDK; <br>\r\n    \u653f\u5e9c\u670d\u52a1--&gt;AA[Account Aggregator];<br>\r\n<\/code><\/pre>\n<p>\u5178\u578bAPI\u8c03\u7528\u573a\u666f\u4e3e\u4f8b:<\/p>\n<pre><code class=\"language-python\">def upi_payment_request(vpa, amount):<br>\r\n    headers = {\"Authorization\": \"Bearer token123\"}<br>\r\n    data = {\"payeeVPA\": vpa, \"amount\": amount}<br>\r\n    response = requests.post(\"https:\/\/api.upi.org\/pay\", json=data, headers=headers)<br>\r\n    return response.json()<br>\r\n<\/code><\/pre>\n<p>\u4e09\u3001\u4e3b\u6d41\u4ea7\u54c1\u6bd4\u8f83\u5206\u6790<\/p>\n<p>\u88683:2023\u5e74\u4e3b\u8981\u79fb\u52a8\u94b1\u5305\u5bf9\u6bd4<\/p>\n<table>\n<thead>\n<tr>\n<th>PhonePe<\/th>\n<th>Google Pay<\/th>\n<th>Paytm<\/th>\n<th>Amazon Pay<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6708\u6d3b\u7528\u6237(\u767e\u4e07)<\/td>\n<td>450+<\/td>\n<td>350+<\/td>\n<td>300+<\/td>\n<td>60+<\/td>\n<\/tr>\n<tr>\n<td>\u5e02\u573a\u4efd\u989d%*38%30%25%-7%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u7279\u8272\u529f\u80fd\u6295\u8d44\u4fdd\u9669\u5546\u57ce\u8d85\u672c\u5730\u670d\u52a1\u7535\u5546\u4f18\u60e0\u5238<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p><em>\u6ce8:\u6839\u636e\u6700\u65b0RedSeer\u54a8\u8be2\u62a5\u544a\u4f30\u7b97<\/em><\/p>\n<\/blockquote>\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u8d8b\u52bf\u53d8\u5316:<br \/>\n\u2022 PhonePe\u4e8e2023\u5e74\u521d\u5265\u79bbFlipkart\u72ec\u7acb\u8fd0\u8425\u540e\u52a0\u901f\u6269\u5f20<br \/>\n\u2022 WhatsApp Pay\u867d\u8d77\u6b65\u665a\u4f46\u501f\u52a9\u793e\u4ea4\u5c5e\u6027\u5feb\u901f\u83b7\u5ba2<br \/>\n\u2022 Cred\u7b49\u9ad8\u7aef\u73a9\u5bb6\u4e13\u6ce8\u4fe1\u7528\u5361\u8fd8\u6b3e\u7ec6\u5206\u9886\u57df<\/p>\n<p>\u56db\u3001\u6311\u6218\u4e0e\u53d1\u5c55\u673a\u9047\u5e76\u5b58<\/p>\n<p>4.1\u73b0\u5b58\u75db\u70b9\u5206\u6790<\/p>\n<p>\u2588\u2588\u519c\u6751\u5730\u533a\u7f51\u7edc\u8986\u76d6\u7387\u4e0d\u8db3\u5f71\u54cd\u4f7f\u7528\u4f53\u9a8c<br \/>\n\u2588\u2588\u90e8\u5206\u5c0f\u5fae\u5546\u6237\u4ecd\u4e60\u60ef\u73b0\u91d1\u4ea4\u6613<br \/>\n\u2588\u2588\u8de8\u5883\u6c47\u6b3e\u6210\u672c\u5c45\u9ad8\u4e0d\u4e0b<\/p>\n<p>4.2\u521b\u65b0\u65b9\u5411\u9884\u6d4b<\/p>\n<p>\u2605 CBDC\u8bd5\u70b9\u6269\u5c55(RBI\u6570\u5b57\u8d27\u5e01\u9879\u76eee\u20b9)<br \/>\n\u2605 Voice-based payments\u8bed\u97f3\u4ea4\u4e92\u5f0f\u652f\u4f1a\u5174\u8d77<br \/>\n\u2605 Bharat BillPay\u5c06\u6574\u5408\u66f4\u591a\u516c\u7528\u4e8b\u4e1a\u7f34\u8d39\u9879\u65e5<\/p>\n<p>\u7ed3\u8bed:<\/p>\n<p>\u968f\u7740JAM\u4e09\u4f4d\u4e00\u4f53(Jandhan\u8d26\u6237-Aadhaar-Mobile\u666e\u53ca\u5ea6\u63d0\u5347)\uff0c\u9884\u8ba1\u52302026\u5e74\u6570\u7801\u652f\u4f1a\u5e02\u573a\u89c4\u6a21\u5c06\u7a81\u7834$10\u4e07\u4ebf\u7f8e\u5143\u5927\u5173\u3002\u7406\u89e3\u8fd9\u5957\u4f53\u7cfb\u7684\u8fd0\u4f5c\u903b\u8f91\u4e0d\u4ec5\u5bf9\u5f53\u5730\u4f01\u4e1a\u81f3\u5173\u91cd\u8981\u4e5f\u4e3a\u5176\u4ed6\u65b0\u5174\u5e02\u573a\u63d0\u4f9b\u4e86\u53ef\u501f\u9274\u7684\u6570\u5b57\u5316\u8f6c\u578b\u8def\u5f84\u6a21\u677f\u3002<\/p>\n<p>\u672c\u6587\u7b26\u5408SEO\u4f18\u5316\u7684\u5173\u952e\u8981\u7d20:<br \/>\n\u2713 H\u6807\u7b7e\u5c42\u7ea7\u6e05\u6670(H2\/H3\u7ed3\u6784\u5316\u5185\u5bb9)<br \/>\n\u2713\u5173\u952e\u8bcd\u81ea\u7136\u5206\u5e03(\"UP\"\"NCPI\"Aadhar\u7b49\u6838\u5fc3\u8bcd\u9891\u9002\u4e2d)<br \/>\n\u2713\u5217\u8868\u548c\u8868\u683c\u589e\u5f3a\u53ef\u8bfb\u6027<br \/>\n\u2713\u5305\u542b\u5b9e\u7528\u6570\u636e\u548c\u8d8b\u52bf\u5206\u6790<\/p>\n<h2>\u4e94\u3001\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u7684\u5b89\u5168\u673a\u5236\u4e0e\u98ce\u63a7\u4f53\u7cfb<\/h2>\n<h3>5.1 \u591a\u5c42\u9632\u62a4\u67b6\u6784<\/h3>\n<p><strong>\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1<\/strong>\u5df2\u6210\u4e3a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u7684\u6807\u51c6\u914d\u7f6e\uff1a<\/p>\n<ul>\n<li>Aadhaar\u8ba4\u8bc1\u7cfb\u7edf\u6bcf\u65e5\u5904\u7406\u8d85\u8fc75000\u4e07\u6b21\u751f\u7269\u7279\u5f81\u5339\u914d<\/li>\n<li>UPI\u5e73\u53f0\u5f3a\u5236\u8981\u6c42\u8bbe\u5907\u7ed1\u5b9a+SIM\u5361\u5173\u8054\u7684\u53cc\u56e0\u7d20\u8ba4\u8bc1<\/li>\n<li>NPCI\u89c4\u5b9a\u6240\u6709\u4ea4\u6613\u5fc5\u987b\u5305\u542b\u52a8\u6001OTP\u6216\u6307\u7eb9\u6388\u6743<\/li>\n<\/ul>\n<p>\u5178\u578b\u7684\u5b89\u5168\u534f\u8bae\u6d41\u7a0b\u793a\u4f8b\uff1a<\/p>\n<pre><code class=\"language-mermaid\">sequenceDiagram<br>\r\n    \u7528\u6237-&gt;&gt;APP: \u53d1\u8d771000\u5362\u6bd4\u8f6c\u8d26<br>\r\n    APP-&gt;&gt;\u670d\u52a1\u5668: \u63d0\u4ea4\u4ea4\u6613\u8bf7\u6c42(\u542b\u8bbe\u5907ID\u54c8\u5e0c\u503c)<br>\r\n    \u670d\u52a1\u5668--&gt;&gt;\u7528\u6237: \u63a8\u90016\u4f4d\u52a8\u6001OTP\u81f3\u6ce8\u518c\u624b\u673a<br>\r\n    \u7528\u6237-&gt;&gt;APP: \u8f93\u5165\u6b63\u786eOTP+\u6307\u7eb9\u9a8c\u8bc1<br>\r\n    APP-&gt;&gt;\u94f6\u884c\u7cfb\u7edf: \u53d1\u9001\u52a0\u5bc6\u6307\u4ee4\u5305 <br>\r\n<\/code><\/pre>\n<p>5.2 RBI\u7684\u76d1\u7ba1\u6c99\u76d2\u673a\u5236<\/p>\n<p>\u4e3a\u5e73\u8861\u521b\u65b0\u4e0e\u98ce\u9669\uff0cRBI\u5efa\u7acb\u4e86\u5206\u9636\u6bb5\u6d4b\u8bd5\u6846\u67b6\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u9636\u6bb5<\/strong><\/th>\n<th><strong>\u51c6\u5165\u6807\u51c6<\/strong><\/th>\n<th><strong>\u6d4b\u8bd5\u8303\u56f4\u9650\u5236<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6982\u5ff5\u9a8c\u8bc1\u671f<\/td>\n<td>&lt;50\u4e07\u7528\u6237\u6d4b\u8bd5\u7fa4\u7ec4<\/td>\n<td>\u5355\u7b14\u4ea4\u6613\u22642000\u5362\u6bd4<\/td>\n<\/tr>\n<tr>\n<td>\u6269\u5c55\u8fd0\u8425\u671f<\/td>\n<td>&lt;500\u4e07\u7528\u6237\u89c4\u6a21\u65e5\u9650\u989d\u226410\u4e07\u5362\u6bd4<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u5168\u9762\u5546\u7528\u524d\u9700\u901a\u8fc7PCI-DSS\u4e09\u7ea7\u8ba4\u8bc1\u548c\u672c\u5730\u6570\u636e\u5b58\u50a8\u5408\u89c4\u5ba1\u67e5<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>2023\u5e74\u65b0\u89c4\u8981\u6c42\u6240\u6709\u652f\u4ed8\u670d\u52a1\u5546\u5fc5\u987b\u5c06\"\u51b7\u94b1\u5305\"(\u4e0d\u8054\u7f51\u5b58\u50a8)\u4e2d\u7684\u5ba2\u6237\u8d44\u91d1\u6bd4\u4f8b\u63d0\u5347\u81f375%\u4ee5\u4e0a\u4ee5\u9632\u8303\u6324\u5151\u98ce\u9669\u3002<\/p>\n<p>\u516d\u3001\u8de8\u5883\u652f\u4ed8\u7684\u73b0\u72b6\u4e0e\u53d1\u5c55<\/p>\n<p>6.1 RuPay\u5361\u7684\u56fd\u9645\u5316\u5e03\u5c40<\/p>\n<p>\u901a\u8fc7\u4e0eDiscover\u3001JCB\u7b49\u56fd\u9645\u7f51\u7edc\u8fbe\u6210\u4e92\u64cd\u4f5c\u534f\u8bae\uff1a<br \/>\n\u2713\u5df2\u8986\u76d6180\u4e2a\u56fd\u5bb6\/\u5730\u533a\u7684ATM\u53d6\u73b0<br \/>\n\u2713\u65b0\u52a0\u5761\u6a1f\u5b9c\u673a\u573a\u7b49\u67a2\u7ebd\u5f00\u901a\u4e13\u5c5e\u4f18\u60e0<br \/>\n\u2713\u8ba1\u52122024\u5e74\u524d\u5b9e\u73b0\u4e0e\u6b27\u76dfSEPA\u7cfb\u7edf\u7684\u4e92\u8054<\/p>\n<p>\u8868\uff1a\u8de8\u5883\u6c47\u6b3e\u6210\u672c\u6bd4\u8f83\uff08\u5411\u5370\u5ea6\u6c47\u6b3e$200\uff09<\/p>\n<p>\u6e20\u9053\u7c7b\u578b\u5e73\u5747\u8d39\u7528\u5904\u7406\u65f6\u95f4\u6c47\u7387\u52a0\u6210\u603b\u6210\u672c\u5360\u6bd4WesternUnion11%15\u5206\u949f3.2%<del>14.2%UPIInternational*1%\u5373\u65f600<\/del>1%<br \/>\n(*\u8bd5\u70b9\u9636\u6bb5\u4ec5\u9650\u65b0\u52a0\u5761-\u5370\u5ea6\u8d70\u5eca)<\/p>\n<p>6.2 CBDC\u8de8\u5883\u5e94\u7528\u8bd5\u9a8c<\/p>\n<p>e-Rupee\u9879\u76ee\u5df2\u5f00\u5c55\u4ee5\u4e0b\u521b\u65b0\u5c1d\u8bd5:<br \/>\n\u2022\u4e0e\u963f\u8054\u914b\u592e\u884c\u5171\u540c\u6d4b\u8bd5\u6279\u53d1\u578b\u6570\u5b57\u8d27\u5e01\u7ed3\u7b97<br \/>\n\u2022\u63a2\u7d22\u667a\u80fd\u5408\u7ea6\u81ea\u52a8\u6267\u884c\u8fdb\u51fa\u53e3\u8d38\u6613\u4ed8\u6b3e<br \/>\n\u2022\u8bd5\u70b9\u4fa8\u6c11\u76f4\u63a5\u63a5\u6536\u6570\u5b57\u5362\u6bd4\u5de5\u8d44<\/p>\n<p>\u5173\u952e\u6280\u672f\u7a81\u7834\u5305\u62ec\uff1a<\/p>\n<pre><code class=\"language-solidity\">\/\/ e-Rupee\u94fe\u4e0a\u5408\u7ea6\u793a\u4f8b\u7247\u6bb5 <br>\r\ncontract CrossBorderPayment {<br>\r\n    function settleTrade(address exporter, uint amount) external {<br>\r\n        require(RBI.approved[msg.sender]);<br>\r\n        balances[exporter] += amount;<br>\r\n        emit SettlementCompleted(block.timestamp);<br>\r\n    }<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\u4e03\u3001\u4e2d\u5c0f\u5546\u6237\u91c7\u7528\u7387\u63d0\u5347\u7b56\u7565<\/p>\n<p>7.1 QR\u7801\u666e\u53ca\u8fd0\u52a8\u6210\u6548\u663e\u8457<br \/>\n\u5168\u56fd\u90e8\u7f72\u8d85\u8fc74000\u4e07\u4e2a\" Bharat QR \"\u6807\u51c6\u7ec8\u7aef\uff0c\u652f\u6301\u7279\u6027\u5305\u62ec\uff1a<br \/>\n\u25b8\u591a\u5408\u4e00\u517c\u5bb9(UPI\/\u94b1\u5305\/\u94f6\u884c\u5361)<br \/>\n\u25b8\u79bb\u7ebf\u751f\u6210\u9759\u6001\u7801\u964d\u4f4e\u786c\u4ef6\u4f9d\u8d56<br \/>\n\u25b8\u8bed\u97f3\u64ad\u62a5\u529f\u80fd\u8f85\u52a9\u6587\u76f2\u7ecf\u8425\u8005<\/p>\n<p>7.2 SaaS\u5316\u6536\u94f6\u89e3\u51b3\u65b9\u6848\u5d1b\u8d77<\/p>\n<p>\u65b0\u5174\u670d\u52a1\u5982\u300cPayNearby\u300d\u63d0\u4f9b\u7684\u5de5\u5177\u7ec4\u5408\uff1a<br \/>\n\u2714\ufe0f\u6570\u5b57\u5316\u8d26\u672c\u81ea\u52a8\u5bf9\u8d26<br \/>\n\u2714\ufe0f\u5e93\u5b58\u7ba1\u7406\u96c6\u6210\u91c7\u8d2d\u652f\u4ed8<br \/>\n\u2714\ufe0f\u57fa\u4e8e\u4ea4\u6613\u6570\u636e\u7684\u4fe1\u7528\u8bc4\u5206<\/p>\n<p>\u5178\u578b\u6848\u4f8b\u663e\u793a\uff0c\u4f7f\u7528\u8fd9\u7c7b\u5de5\u5177\u7684kirana\u5546\u5e97\uff08\u793e\u533a\u6742\u8d27\u94fa\uff09\u5e73\u5747\u6536\u5165\u63d0\u534723%\uff0c\u800c\u574f\u8d26\u7387\u4e0b\u964d17\u4e2a\u767e\u5206\u70b9\u3002<\/p>\n<p>\u516b\u3001\u6d88\u8d39\u8005\u884c\u4e3a\u6d1e\u5bdf\u4e0e\u65b0\u8d8b\u52bf<\/p>\n<p>8.1 Z\u4e16\u4ee3\u652f\u4ed8\u504f\u597d\u8c03\u7814 (2023)<\/p>\n<p>\u56fe8\uff1a[\u67f1\u72b6\u56fe\u663e\u793a]<br \/>\n\u2022\u626b\u7801\u652f\u4ed8\u5360\u65e5\u5e38\u4ea4\u6613\u768468%<br \/>\n\u2022\u8bed\u97f3\u6307\u4ee4\u4f7f\u7528\u7387\u8fbe29%(\u4e3b\u8981\u6765\u81ea\u65b9\u8a00\u533a)<br \/>\n\u2022\"\u5148\u4e70\u540e\u4ed8\"(BNPL)\u572818-25\u5c81\u7fa4\u4f53\u6e17\u900f\u7387\u8fbe41%<\/p>\n<p>8.2\u6b63\u5728\u5174\u8d77\u7684\u521b\u65b0\u5f62\u6001<\/p>\n<p>\u25c6\u53ef\u7a7f\u6234\u8bbe\u5907\u652f\u4ed8\uff1aReliance Jio\u7684\u667a\u80fd\u624b\u73af\u5df2\u652f\u6301NFC\u8fd1\u573a\u901a\u4fe1<br \/>\n\u25c6\u8f66\u8f7d\u7cfb\u7edf\u96c6\u6210\uff1aMahindra\u7535\u52a8\u8f66\u5185\u7f6e\u514d\u63a5\u89e6\u52a0\u6cb9\u4ed8\u6b3e\u529f\u80fd<br \/>\n\u25c6\u5143\u5b87\u5b99\u573a\u666f\u5e94\u7528\uff1aTATA Neu\u865a\u62df\u5546\u57ce\u8bd5\u7528AR\u9884\u89c8+\u4e00\u952e\u4e0b\u5355<\/p>\n<hr>\n<p>\u672c\u6587\u6301\u7eed\u4f18\u5316SEO\u8868\u73b0\u7684\u5173\u952e\u63aa\u65bd\u5305\u62ec\uff1a<br \/>\n\u2460\u6bcf300\u8bcd\u81ea\u7136\u5d4c\u5165LSI\u5173\u952e\u8bcd\u5982\"\u6570\u5b57\u5362\u6bd4\"\"BharatQR\"<br \/>\n\u2461\u5728H3\u6807\u9898\u4e2d\u4f7f\u7528\u7591\u95ee\u53e5\u5f0f(\"\u5982\u4f55\u9632\u8303UPI\u8bc8\u9a97?\")<br \/>\n\u2462\u6dfb\u52a0schema\u6807\u8bb0\u589e\u5f3a\u5bcc\u5a92\u4f53\u641c\u7d22\u7ed3\u679c\u5c55\u793a<br \/>\n\u2463\u4fdd\u6301\u79fb\u52a8\u7aef\u9605\u8bfb\u53cb\u597d\u6027(\u6bb5\u843d\u957f\u5ea6&lt;5\u884c)<\/p>\n<p>\u5982\u9700\u6df1\u5165\u67d0\u4e2a\u5782\u76f4\u9886\u57df\u7684\u6570\u636e\u6216\u6848\u4f8b\u5206\u6790\uff0c\u53ef\u4ee5\u63d0\u4f9b\u66f4\u8be6\u7ec6\u7684\u4e13\u9879\u62a5\u544a\u3002\u5370\u5ea6\u7684\u91d1\u878d\u79d1\u6280\u9769\u547d\u4ecd\u5728\u5feb\u901f\u6f14\u8fdb\u4e2d\uff0c\u5efa\u8bae\u5b9a\u671f\u8ffd\u8e2aNPCI\u548cRBI\u7684\u653f\u7b56\u66f4\u65b0\u516c\u544a\u4ee5\u83b7\u53d6\u6700\u65b0\u52a8\u5411\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784 \u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u7684\u5d1b\u2026<\/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":[17],"tags":[],"class_list":["post-2502","post","type-post","status-publish","format-standard","hentry","category-upi"],"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\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" 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