{"id":3019,"date":"2025-05-24T11:08:30","date_gmt":"2025-05-24T03:08:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3019"},"modified":"2025-05-24T11:08:30","modified_gmt":"2025-05-24T03:08:30","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/","title":{"rendered":"\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4"},"content":{"rendered":"

\u83f2\u5f8b\u5bbe\u7684\u652f\u4ed8\u7cfb\u7edf\u5448\u73b0\u51fa\u660e\u663e\u7684\u672c\u5730\u5316\u4e0e\u56fd\u9645\u5316\u7684\u6280\u672f\u5dee\u5f02\uff0c\u4e3b\u8981\u4f53\u73b0\u5728\u57fa\u7840\u8bbe\u65bd\u3001\u76d1\u7ba1\u6846\u67b6\u3001\u7528\u6237\u4e60\u60ef\u548c\u6280\u672f\u6807\u51c6\u7b49\u65b9\u9762\u3002\u4ee5\u4e0b\u4ece\u5173\u952e\u7ef4\u5ea6\u8fdb\u884c\u5bf9\u6bd4\u5206\u6790\uff1a<\/p>\n

\u4e00\u3001\u5e95\u5c42\u57fa\u7840\u8bbe\u65bd\u5dee\u5f02<\/h3>\n
    \n
  1. \u672c\u5730\u652f\u4ed8\u7f51\u7edc<\/strong><\/li>\n<\/ol>\n
      \n
    • \u4f9d\u8d56Bangko Sentral ng Pilipinas\uff08BSP\uff09\u76d1\u7ba1\u7684PESONet\u548cInstaPay\u6e05\u7b97\u7cfb\u7edf<\/li>\n
    • \u4ea4\u6613\u5904\u7406\u57fa\u4e8e\u83f2\u5f8b\u5bbe\u94f6\u884c\u95f4\u7ed3\u7b97\u4f53\u7cfb\uff0c\u652f\u6301PHP\u5b9e\u65f6\u7ed3\u7b97<\/li>\n
    • \u4e3b\u8981\u63a5\u5165\u6e20\u9053\uff1aGCash\uff08\u79fb\u52a8\u94b1\u5305\uff09\u3001Dragonpay\uff08\u7f51\u5173\uff09\u3001\u94f6\u884c\u76f4\u8fde<\/li>\n<\/ul>\n
        <\/p>\n
      1. \u56fd\u9645\u652f\u4ed8\u901a\u9053<\/strong><\/li>\n<\/ol>\n
          \n
        • SWIFT\u7f51\u7edc\u4e3b\u5bfc\u8de8\u5883\u6c47\u6b3e\uff08\u5360\u83f2\u5916\u52b3\u6c47\u6b3e90%+\uff09<\/li>\n
        • Visa\/Mastercard\u7b49\u5361\u7ec4\u7ec7\u91c7\u7528ISO8583\u62a5\u6587\u6807\u51c6<\/li>\n
        • \u65b0\u5174\u65b9\u6848\uff1aRipple\u533a\u5757\u94fe\u8de8\u5883\u7ed3\u7b97\u8bd5\u70b9\u9879\u76ee<\/li>\n<\/ul>\n

          \u4e8c\u3001\u5408\u89c4\u6027\u6280\u672f\u8981\u6c42\u5bf9\u6bd4<\/h3>\n\n\n\n\n\n\n\n
          \u7ef4\u5ea6<\/th>\n\u672c\u5730\u652f\u4ed8\u8981\u6c42<\/th>\n\u56fd\u9645\u652f\u4ed8\u8981\u6c42<\/th>\n<\/tr>\n<\/thead>\n
          KYC\u9a8c\u8bc1<\/td>\nBSP\u7b2c108\u53f7\u901a\u77e5\u4e8c\u7ea7\u9a8c\u8bc1<\/td>\nFATF Travel Rule<\/td>\n<\/tr>\n
          AML\u7b5b\u67e5<\/td>\nPH\u672c\u571f\u9ed1\u540d\u5355\u6570\u636e\u5e93<\/td>\nWorldCheck\u7b49\u5168\u7403\u6570\u636e\u5e93<\/td>\n<\/tr>\n
          \u6570\u636e\u5b58\u50a8<\/td>\nBSP\u8981\u6c42\u5883\u5185\u6570\u636e\u4e3b\u6743<\/td>\nPCI DSS Level1\u8ba4\u8bc1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          \u4e09\u3001\u6280\u672f\u534f\u8bae\u6808\u5dee\u5f02<\/h3>\n

          \u672c\u5730\u7279\u8272\u65b9\u6848\uff1a<\/strong><\/p>\n

            \n
          • GCash\u4f7f\u7528\u4e13\u6709USSD\u534f\u8bae\u517c\u5bb9\u529f\u80fd\u673a<\/li>\n
          • Dragonpay\u652f\u6301OTC\u73b0\u91d1\u652f\u4ed8\uff08\u4fbf\u5229\u5e97\/\u5178\u5f53\u884c\uff09<\/li>\n<\/ul>\n

            \u56db\u3001\u652f\u4ed8\u5904\u7406\u6d41\u7a0b\u5bf9\u6bd4<\/strong><\/h3>\n

            1. \u672c\u5730\u652f\u4ed8\u5904\u7406\u6d41\u7a0b\uff08\u4ee5GCash\u4e3a\u4f8b\uff09<\/strong><\/h4>\n
              \n
            • \u7528\u6237\u53d1\u8d77\u4ea4\u6613<\/strong>\uff1a\u901a\u8fc7\u79fb\u52a8App\/USSD\u8f93\u5165\u6536\u6b3e\u65b9\u53ca\u91d1\u989d<\/li>\n
            • \u98ce\u63a7\u9a8c\u8bc1<\/strong>\uff1aBSP\u8981\u6c42\u7684SIM\u7ed1\u5b9a+\u751f\u7269\u8bc6\u522b\u53cc\u91cd\u8ba4\u8bc1<\/li>\n
            • \u6e05\u7b97\u8def\u5f84<\/strong>\uff1a\u901a\u8fc7PESONet\uff08\u6279\u91cf\u6e05\u7b97\uff09\u6216InstaPay\uff08\u5b9e\u65f6\u7ed3\u7b97\uff09\u5b8c\u6210\u94f6\u884c\/\u94b1\u5305\u95f4\u8f6c\u8d26<\/li>\n
            • \u7ed3\u7b97\u5468\u671f<\/strong>\uff1aT+0\uff08InstaPay\uff09\u6216T+1\uff08PESONet\uff09\uff0cPHP\u8ba1\u4ef7\u65e0\u6c47\u7387\u8f6c\u6362<\/li>\n<\/ul>\n

              2. \u56fd\u9645\u652f\u4ed8\u5904\u7406\u6d41\u7a0b\uff08\u4ee5Visa\u8de8\u5883\u4ea4\u6613\u4e3a\u4f8b\uff09<\/strong><\/h4>\n
                \n
              • \u6388\u6743\u8bf7\u6c42<\/strong>\uff1a\u83f2\u5f8b\u5bbe\u5546\u6237POS\u53d1\u8d77\u2192\u6536\u5355\u884c\u2192Visa\u7f51\u7edc\u2192\u53d1\u5361\u884c\u98ce\u63a7\u5ba1\u6838\uff083D Secure\u9a8c\u8bc1\u7b49\uff09<\/li>\n
              • \u8d27\u5e01\u8f6c\u6362\u5c42<\/strong>: \u52a8\u6001\u6c47\u7387\u8ba1\u7b97 + 1%-3%\u7684FX\u8d39\u7528\uff0c\u6d89\u53ca\u4e2d\u95f4\u884c\u8def\u7531\u4f18\u5316\u95ee\u9898<\/li>\n
              • \u8d44\u91d1\u5f52\u96c6<\/strong>: SWIFT MT103\u62a5\u6587\u5b8c\u6210\u6700\u7ec8\u7ed3\u7b97\uff0c\u901a\u5e38\u97002~5\u4e2a\u5de5\u4f5c\u65e5<\/li>\n<\/ul>\n

                \u4e94\u3001\u6280\u672f\u67b6\u6784\u5173\u952e\u5dee\u5f02\u70b9\u5206\u6790<\/strong><\/h3>\n\n\n\n\n\n\n\n
                \u6280\u672f\u8981\u7d20<\/th>\n\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u65b9\u6848<\/th>\n\u56fd\u9645\u6807\u51c6\u65b9\u6848<\/th>\n<\/tr>\n<\/thead>\n
                API\u534f\u8bae<\/td>\nREST\/SOAP\u4e3a\u4e3b\uff0c\u90e8\u5206\u9057\u7559\u7cfb\u7edf\u7528ISO8583\u53d8\u4f53<\/td>\nGraphQL+OAuth2.0\u4e3b\u6d41<\/td>\n<\/tr>\n
                \u6570\u636e\u52a0\u5bc6<\/td>\nBSP\u89c4\u5b9a\u7684\u6700\u5c0fAES-128\u6807\u51c6<\/td>\nPCI DSS\u5f3a\u5236\u8981\u6c42TLS1.2+\/SHA256<\/td>\n<\/tr>\n
                \u707e\u5907\u80fd\u529b<\/td>\n\u591a\u6570\u4ec5\u5355\u6570\u636e\u4e2d\u5fc3\u90e8\u7f72<\/td>\nMulti-region Active-Active\u67b6\u6784<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                \u516d\u3001\u65b0\u5174\u6280\u672f\u7684\u6e17\u900f\u5dee\u5f02
                \n1. \u533a\u5757\u94fe\u5e94\u7528\uff1a
                \n\u2013 \u672c\u5730: UnionBank\u7684PHX\u7a33\u5b9a\u5e01\u8bd5\u9a8c\u9650\u4e8e\u4f01\u4e1a\u95f4B2B\u573a\u666f
                \n\u2013 \u56fd\u9645: Ripple\u4e0eSEA\u94f6\u884c\u5408\u4f5c\u5b9e\u73b0\u65e5\u97e9\u2192\u83f2\u79d2\u7ea7\u8de8\u5883\u6c47\u6b3e<\/p>\n

                2.AI\u98ce\u63a7\u91c7\u7528\u7387\uff1a
                \n-\u672c\u571f\u7535\u5b50\u94b1\u5305\u4ecd\u4f9d\u8d56\u89c4\u5219\u5f15\u64ce(Rule-based)\u4e3a\u4e3b
                \n-\u56fd\u9645\u5361\u7ec4\u7ec7\u5df2\u90e8\u7f72\u6df1\u5ea6\u5b66\u4e60\u6a21\u578b\u68c0\u6d4b\u8de8\u5730\u57df\u5957\u73b0\u884c\u4e3a<\/p>\n

                \u4e03\u3001\u5f00\u53d1\u8005\u96c6\u6210\u6210\u672c\u6bd4\u8f83<\/p>\n

                # GCash API\u793a\u4f8b(\u9700\u9884\u5ba1\u5546\u6237\u8d44\u8d28)
                \r\nheaders = {\"X-GCash-AppKey\": \"BSP_ISSUED_KEY\"}
                \r\nresponse = post(\"\/pesonet\/transfer\", data={\"amount\":1000,\"recipient\":\"0917XXX\"})
                \r\n
                \r\n# Stripe\u56fd\u9645\u5316API\u793a\u4f8b(\u6807\u51c6\u5316SDK)
                \r\ncharge = stripe.Charge.create(
                \r\n    amount=2000, currency=\"usd\",
                \r\n    source=\"tok_visa\", description=\"Cross-border\"
                \r\n) 
                \r\n<\/code><\/pre>\n
                \u6ce8\uff1a\u672c\u571f\u5e73\u53f0\u5f80\u5f80\u9700\u8981\u5b9a\u5236\u5316\u5bf9\u63a5\uff0c\u800cStripe\/PayPal\u7b49\u63d0\u4f9b\u5168\u7403\u5316SDK<\/em><\/p>\n
                \n
                \u6f14\u8fdb\u8d8b\u52bf\u9884\u6d4b\uff1a
                \n1.\u76d1\u7ba1\u8d8b\u540c\u5316<\/strong>: BSP\u8ba1\u52122025\u5e74\u524d\u5c06\u53cd\u6d17\u94b1\u6807\u51c6\u5bf9\u9f50FATF\uff0c\u53ef\u80fd\u62ac\u9ad8\u672c\u571f\u6280\u672f\u670d\u52a1\u5546\u5408\u89c4\u6210\u672c\u3002
                \n2.\u6280\u672f\u6808\u5347\u7ea7\u538b\u529b<\/strong>: InstaPay\u6b63\u5728\u6d4b\u8bd5ISO20022\u62a5\u6587\u8fc1\u79fb\uff0c\u672a\u6765\u53ef\u80fd\u4e0eSWIFT\u8de8\u5883\u6807\u51c6\u4e92\u901a\u3002<\/p>\n
                \u516b\u3001\u652f\u4ed8\u573a\u666f\u8986\u76d6\u6df1\u5ea6\u5bf9\u6bd4<\/strong><\/h3>\n
                1. \u672c\u5730\u652f\u4ed8\u7684\u4f18\u52bf\u573a\u666f<\/strong><\/h4>\n
                  \n
                • \n
                  \u5c0f\u989d\u9ad8\u9891\u4ea4\u6613<\/strong>\uff1a<\/p>\n
                    \n
                  • GCash\/ Maya\u94b1\u5305\u652f\u6301<500PHP\uff08\u7ea69\u7f8e\u5143\uff09\u7684\u514d\u5bc6\u652f\u4ed8\uff0c\u9002\u5408\u83dc\u5e02\u573a\u3001\u4e09\u8f6e\u8f66\u7b49\u73b0\u91d1\u7ecf\u6d4e\u573a\u666f\u3002<\/li>\n
                  • Dragonpay\u7684OTC\uff08Over-the-Counter\uff09\u6a21\u5f0f\u5141\u8bb8\u7528\u6237\u57287-Eleven\u7b49\u4fbf\u5229\u5e97\u7528\u73b0\u91d1\u5145\u503c\u7535\u5b50\u94b1\u5305\u3002<\/li>\n<\/ul>\n<\/li>\n
                  • \n
                    \u653f\u5e9c\u798f\u5229\u5206\u53d1<\/strong>\uff1a<\/p>\n
                      \n
                    • \u83f2\u5f8b\u5bbe\u793e\u4fdd\u7cfb\u7edf\uff08SSS\uff09\u901a\u8fc7PESONet\u6279\u91cf\u53d1\u653e\u8865\u8d34\uff0c\u5ef6\u8fdf\u5bb9\u5fcd\u5ea6\u9ad8\u4f46\u6210\u672c\u6781\u4f4e\uff08\u5355\u7b14\u8d39\u7528<0.1PHP\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                      2. \u56fd\u9645\u652f\u4ed8\u7684\u4e0d\u53ef\u66ff\u4ee3\u6027<\/strong><\/h4>\n
                        \n
                      • \u8de8\u5883\u7535\u5546\u7ed3\u7b97<\/strong>\uff1aLazada\/Shopee\u83f2\u5f8b\u5bbe\u7ad9\u867d\u652f\u6301GCash\uff0c\u4f46\u8de8\u5883\u5356\u5bb6\u9700\u901a\u8fc7Payoneer\/Wise\u63d0\u73b0\u81f3\u5883\u5916\u8d26\u6237\uff0c\u6d89\u53ca\u8d27\u5e01\u8f6c\u6362\u635f\u8017\u3002<\/li>\n
                      • \u52b3\u52a1\u6c47\u6b3e\u751f\u6001\u94fe<\/strong>: OFW\uff08\u6d77\u5916\u83f2\u52b3\uff09\u4f9d\u8d56Western Union\u2192\u672c\u5730\u94f6\u884c\u2192GCash\u7684\u5206\u5c42\u4f53\u7cfb\uff0cSWIFT\u4e2d\u95f4\u884c\u62bd\u6210\u53ef\u8fbe5%~8%\u3002<\/li>\n<\/ul>\n
                        \n
                        \u4e5d\u3001\u6280\u672f\u503a\u52a1\u4e0e\u521b\u65b0\u74f6\u9888\u5206\u6790<\/strong><\/h3>\n\n\n\n\n\n\n\n
                        \u6311\u6218\u7ef4\u5ea6<\/th>\n\u672c\u571f\u652f\u4ed8\u7cfb\u7edf<\/th>\n\u56fd\u9645\u652f\u4ed8\u4f53\u7cfb<\/th>\n<\/tr>\n<\/thead>\n
                        \u9057\u7559\u7cfb\u7edf\u8d1f\u62c5<\/td>\n40%\u519c\u6751\u94f6\u884c\u4ecd\u4f7f\u7528COBOL\u6838\u5fc3\u7cfb\u7edf<\/td>\nVisa\/MC\u5df2\u5168\u9762\u4e91\u539f\u751f\u67b6\u6784\u8fc1\u79fb<\/td>\n<\/tr>\n
                        \u4e92\u64cd\u4f5c\u6027<\/td>\n\u5404\u7535\u5b50\u94b1\u5305\u95f4\u8f6c\u8d26\u9700\u4eba\u5de5\u5e72\u9884<\/td>\nSEPA-like\u6cdb\u533a\u57df\u6e05\u7b97\u7f51\u7edc\u63a8\u8fdb\u4e2d<\/td>\n<\/tr>\n
                        \u76d1\u7ba1\u6c99\u76d2\u53c2\u4e0e\u5ea6<\/td>\n\u4ec53\u5bb6\u673a\u6784\u8fdb\u5165BSP Sandbox<\/td>\n\u65b0\u52a0\u5761HKMA\u6c99\u76d2\u5df2\u5b75\u531650+\u9879\u76ee<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                        \n
                        \u5341\u3001\u672a\u67655\u5e74\u5173\u952e\u6280\u672f\u51b2\u7a81\u70b9
                        \n1.\u5b9e\u65f6\u8de8\u5883VS\u672c\u5730\u5408\u89c4\u5899<\/strong><\/p>\n
                          \n
                        • InstaPay\u8bd5\u56fe\u6269\u5c55\u4e3a\u4e1c\u76df\u5feb\u901f\u901a\u9053(\u7c7b\u4f3c\u6cf0\u56fdPromptPay)\uff0c\u4f46\u53d7\u9650\u4e8eBSP\u7684\u5916\u6c47\u7ba1\u5236\u653f\u7b56\u3002<\/li>\n<\/ul>\n
                          2.\u751f\u7269\u8bc6\u522b\u6807\u51c6\u4e4b\u4e89<\/strong><\/p>\n
                            \n
                          • GCash\u91c7\u7528\u81ea\u7814\u4eba\u8138\u8bc6\u522b(\u8bef\u8bc6\u73871%) vs Mastercard\u7684\u300cBiometric Checkout\u300d\u9700\u7b26\u5408FIDO\u8054\u76df\u6807\u51c6\u3002<\/li>\n<\/ul>\n
                            3.CBDC\u51b2\u51fb\u8bd5\u9a8c<\/strong><\/p>\n
                              \n
                            • BSP\u8ba1\u5212\u8bd5\u70b9\u6279\u53d1\u578b\u6570\u5b57\u8d27\u5e01(CBDC)\u7528\u4e8e\u94f6\u884c\u95f4\u6e05\u7b97,\u53ef\u80fd\u8fb9\u7f18\u5316\u73b0\u6709PESONet;\u800c\u56fd\u9645\u5361\u7ec4\u7ec7\u4e3b\u5f20\u7a33\u5b9a\u5e01\u4e92\u64cd\u4f5c\u65b9\u6848\u3002<\/li>\n<\/ul>\n
                              \n
                              \u5341\u4e00\u3001\u5bf9\u4f01\u4e1a\u7684\u9009\u578b\u5efa\u8bae<\/p>\n
                              graph LR
                              \r\nA[\u4e1a\u52a1\u9700\u6c42] --> B{\u4e3b\u8981\u7528\u6237\u662f\u5426\u5728\u83f2\u5883\u5185?}
                              \r\nB -->|Yes| C[\u4f18\u5148\u5bf9\u63a5GCash+PESONet]
                              \r\nB -->|No| D[\u96c6\u6210Stripe+SWIFT\u4f18\u5316\u8def\u7531]
                              \r\nC --> E[\u6ce8\u610f\u65e5\u4ea4\u6613\u9650\u989d10\u4e07PHP]
                              \r\nD --> F[\u8003\u8651Ripple\u964d\u4f4eLatency]
                              \r\n<\/code><\/pre>\n
                              \u5173\u952e\u51b3\u7b56\u56e0\u5b50\uff1a<\/p>\n
                                \n
                              • \u5230\u8d26\u901f\u5ea6\u654f\u611f\u5ea6<\/strong>: InstaPay(\u79d2\u7ea7) vs SWIFT(2\u5929+)<\/li>\n
                              • Unbanked<\/em>\u7528\u6237\u5360\u6bd4<\/strong>: OTC\u6e20\u9053\u8986\u76d6\u7387\u51b3\u5b9a\u4e0b\u6c89\u5e02\u573a\u6e17\u900f\u7387<\/li>\n<\/ul>\n
                                \n
                                \u4e0b\u4e00\u6b65\u6f14\u8fdb\u53ef\u80fd\u56f4\u7ed5\u300c\u6df7\u5408\u67b6\u6784\u300d\u5c55\u5f00\u2014\u2014\u4f8b\u5982\u8682\u8681\u96c6\u56e2\u5728\u83f2\u843d\u5730\u7684Alipay+\u65b9\u6848\u65e2\u63a5\u5165GCash\u672c\u571f\u6d41\u91cf,\u53c8\u901a\u8fc7AlipayHK\u5b9e\u73b0\u8de8\u5883\u4e8c\u7ef4\u7801\u4e92\u901a\u3002\u8fd9\u8981\u6c42\u6280\u672f\u6808\u540c\u65f6\u6ee1\u8db3:
                                \n\u2705 BSP\u7684\u300a\u6570\u5b57\u94f6\u884c\u5b89\u5168\u6846\u67b6\u300b
                                \n\u2705 PCI DSS L3\u8ba4\u8bc1
                                \n\u2705 ASEAN QR\u901a\u7528\u7f16\u7801\u89c4\u8303<\/p>","protected":false},"excerpt":{"rendered":"
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