{"id":17728,"date":"2025-11-03T14:31:50","date_gmt":"2025-11-03T11:01:50","guid":{"rendered":"https:\/\/ar.shahidkhames.com\/?p=17728"},"modified":"2025-11-03T14:32:52","modified_gmt":"2025-11-03T11:02:52","slug":"%d9%85%d9%86-swift-%d8%a5%d9%84%d9%89-%d8%a7%d9%84%d8%b3%d9%8a%d8%a7%d8%af%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%8a%d8%a9-%d8%ae%d8%b1%d9%8a%d8%b7%d8%a9-%d8%a7%d9%84%d8%b7%d8%b1%d9%8a%d9%82-%d9%84","status":"publish","type":"post","link":"https:\/\/ar.shahidkhames.com\/?p=17728","title":{"rendered":"\u0645\u0646 SWIFT \u0625\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0644\u0628\u0646\u064a\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0631\u0627\u0642\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u0645\u0633\u062a\u0642\u0644\u0629"},"content":{"rendered":"\n\n\n
\n

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\u0643\u064a\u0641 \u064a\u0639\u0645\u0644\u061f<\/h3>\n

\u00b7 \u0644\u0627 \u064a\u0646\u0642\u0644 SWIFT \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u0639\u0644\u064a\u0627\u064b\u060c \u0628\u0644 \u064a\u0646\u0642\u0644 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a\u00a0 \u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 \u00a0\u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643.<\/p>\n

\u00b7\u0644\u0643\u0644 \u0628\u0646\u0643 \u0639\u0636\u0648 \u0631\u0645\u0632 \u00a0SWIFT\/BIC \u064a\u0639\u0645\u0644 \u0643\u0639\u0646\u0648\u0627\u0646\u00a0 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0644 \u0631\u0645\u0632 TRIQIQBA \u064a\u062e\u0635 \u0628\u0646\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a<\/a> TBI<\/em><\/p>\n

\u00b7\u00a0 \u0639\u0646\u062f \u0625\u0631\u0633\u0627\u0644 \u062a\u062d\u0648\u064a\u0644 \u0645\u0646 \u0628\u0646\u0643 \u0639\u0631\u0627\u0642\u064a \u0625\u0644\u0649 \u0628\u0646\u0643 \u0623\u0648\u0631\u0648\u0628\u064a \u0645\u062b\u0644\u0627\u064b\u060c \u062a\u064f\u0631\u0633\u0644 \u0631\u0633\u0627\u0644\u0629 \u0639\u0628\u0631 \u0627\u0644\u0634\u0628\u0643\u0629 \u0627\u0644\u0645\u0634\u0641\u0651\u0631\u0629\u060c \u062b\u0645 \u062a\u064f\u0646\u0641\u0651\u0630 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0641\u0639\u0644\u064a\u0627\u064b \u0639\u0628\u0631 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643.<\/p>\n

\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a<\/strong><\/h4>\n

\u064a\u0639\u062a\u0645\u062f SWIFT \u0627\u0646\u062a\u0642\u0627\u0644\u0627\u064b \u0639\u0627\u0644\u0645\u064a\u0627\u064b \u0625\u0644\u0649 \u0645\u0639\u064a\u0627\u0631 \u00a0ISO 20022 \u0627\u0644\u0623\u0643\u062b\u0631 \u062b\u0631\u0627\u0621\u064b \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0645\u0639 \u0627\u0646\u062a\u0647\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0627\u064a\u0634 \u0628\u064a\u0646 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 (MT) \u0648\u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0641\u064a \u0646\u0648\u0641\u0645\u0628\u0631 2025\u060c \u0648\u062a\u0648\u0627\u0641\u0642\u0627\u062a \u0631\u0626\u064a\u0633\u064a\u0629 \u0645\u062b\u0644 \u0627\u0646\u062a\u0642\u0627\u0644 Fedwire \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a \u0641\u064a \u0645\u0627\u0631\u0633 2025.
\n\u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0644\u0629 \u062a\u0639\u0632\u0632 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u060c \u0648\u062a\u0633\u0631\u0651\u0639 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u062b\u0627\u0646\u064a: SWIFT\u2026 \u0627\u0644\u0623\u062f\u0627\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u0635\u0628\u062d\u062a \u0623\u062f\u0627\u0629 \u0633\u064a\u0627\u062f\u0629<\/strong><\/h4>\n

\u0645\u0646 \u0634\u0628\u0643\u0629 \u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0625\u0644\u0649 \u0646\u0641\u0648\u0630 \u062c\u064a\u0648\u0633\u064a\u0627\u0633\u064a<\/p>\n

\u0623\u0646\u0634\u0626 SWIFT \u0644\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0644\u0643\u0646\u0647 \u062a\u062d\u0648\u0651\u0644 \u062a\u062f\u0631\u064a\u062c\u064a\u0627\u064b \u0625\u0644\u0649 \u0631\u0627\u0641\u0639\u0629 \u0646\u0641\u0648\u0630 \u0628\u064a\u062f \u0627\u0644\u0642\u0648\u0649 \u0627\u0644\u0643\u0628\u0631\u0649.<\/p>\n

\u062d\u064a\u0646 \u0641\u064f\u0635\u0644\u062a \u0628\u0646\u0648\u0643 \u0625\u064a\u0631\u0627\u0646 \u0639\u0646 \u0627\u0644\u0634\u0628\u0643\u0629 \u0639\u0627\u0645 2012\u060c \u0627\u0646\u0643\u0645\u0634\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062e\u0627\u0631\u062c\u064a \u0628\u0634\u0643\u0644 \u062d\u0627\u062f\u060c \u0648\u0642\u062f\u0651\u0631\u062a \u062f\u0631\u0627\u0633\u0627\u062a \u0645\u0631\u062c\u0639\u064a\u0629 \u0623\u0646 \u0625\u064a\u0631\u0627\u0646 \u0641\u0642\u062f\u062a \u0642\u0631\u0627\u0628\u0629 50% \u0645\u0646 \u0625\u064a\u0631\u0627\u062f\u0627\u062a\u0647\u0627 \u0627\u0644\u0646\u0641\u0637\u064a\u0629 \u064830% \u0645\u0646 \u062a\u062c\u0627\u0631\u062a\u0647\u0627 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629.<\/p>\n

\u0648\u0639\u0646\u062f\u0645\u0627 \u0641\u064f\u0631\u0636\u062a \u0627\u0644\u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0645\u0635\u0627\u0631\u0641 \u0631\u0648\u0633\u064a\u0629 \u0641\u064a 2022 \u0639\u0642\u0628 \u063a\u0632\u0648 \u0623\u0648\u0643\u0631\u0627\u0646\u064a\u0627\u060c \u0634\u064f\u0644\u0651 \u062c\u0632\u0621 \u0645\u0646 \u062a\u0639\u0627\u0645\u0644\u0627\u062a\u0647\u0627 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u0623\u064f\u0639\u064a\u062f \u062a\u0634\u0643\u064a\u0644 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f \u0636\u0645\u0646 \u062d\u0632\u0645\u0629 \u0639\u0642\u0648\u0628\u0627\u062a \u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u062f\u0648\u0644\u064a\u0629 \u0648\u0627\u0633\u0639\u0629.<\/p>\n

\u0627\u0644\u062e\u0644\u0627\u0635\u0629: \u0645\u0646 \u064a\u0645\u0644\u0643 \u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0634\u0628\u0643\u0629 \u064a\u0645\u0644\u0643 \u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u061b \u064a\u0645\u0646\u062d \u0627\u0644\u0646\u0641\u0627\u0630 \u0623\u0648 \u064a\u0645\u0646\u0639\u0647.<\/p>\n

\u0648\u0644\u0630\u0644\u0643 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0628\u0644\u062f\u064d \u0628\u062d\u062c\u0645 \u0648\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0639\u0631\u0627\u0642 \u0623\u0646 \u064a\u0628\u0642\u0649 \u0645\u0633\u062a\u062e\u062f\u0645\u0627\u064b \u062a\u0627\u0628\u0639\u0627\u064b \u062f\u0627\u062e\u0644 \u0645\u0646\u0638\u0648\u0645\u0629 \u0644\u0627 \u064a\u0645\u0644\u0643 \u0642\u0631\u0627\u0631\u0647\u0627.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u062b\u0627\u0644\u062b: \u0627\u0644\u0639\u0631\u0627\u0642 \u0641\u064a \u0634\u0628\u0643\u0629 SWIFT\u00a0 \u0628\u064a\u0646 \u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629<\/strong><\/h4>\n

\u0627\u0644\u0635\u0648\u0631\u0629 \u0627\u0644\u0631\u0627\u0647\u0646\u0629 \u0648\u0623\u062b\u0631\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a<\/p>\n

\u00b7\u0627\u0644\u0627\u0646\u062e\u0631\u0627\u0637 \u0641\u064a SWIFT \u0645\u0648\u062c\u0648\u062f: \u0645\u0635\u0627\u0631\u0641 \u0639\u0631\u0627\u0642\u064a\u0629<\/a> \u062a\u0645\u062a\u0644\u0643 \u0631\u0645\u0648\u0632 SWIFT \u0648\u062a\u064f\u062c\u0631\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062d\u0648\u064a\u0644 \u062f\u0648\u0644\u064a\u0629 (\u0645\u062b\u0644 TBI \u2013 TRIQIQBA)\u060c \u0648\u0647\u0630\u0627 \u064a\u062b\u0628\u062a \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0627\u0644\u0634\u0628\u0643\u0629.<\/p>\n

\u0644\u0643\u0646 \u0627\u0645\u062a\u0644\u0627\u0643 \u0631\u0645\u0632 \u0644\u0627 \u064a\u0639\u0646\u064a \u0628\u0627\u0644\u0636\u0631\u0648\u0631\u0629 \u0627\u0645\u062a\u0644\u0627\u0643 \u0639\u0644\u0627\u0642\u0627\u062a \u0645\u0631\u0627\u0633\u0644\u0629 \u0648\u0627\u0633\u0639\u0629 \u0628\u0643\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0648\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0623\u0648 \u062d\u0631\u064a\u0629 \u063a\u064a\u0631 \u0645\u0642\u064a\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a.<\/p>\n

\u00b7\u0642\u0646\u0627\u0629 \u0627\u0644\u062f\u0648\u0644\u0627\u0631: \u062c\u0632\u0621 \u0643\u0628\u064a\u0631 \u0645\u0646 \u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0645\u0631\u062a\u0628\u0637 \u0628\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u0627\u0646\u0629 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a<\/a> \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a\u064a\u0646.<\/p>\n

\u0648\u0634\u0645\u0644\u062a \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u062d\u0638\u0631 \u0623\u0648 \u062a\u0642\u064a\u064a\u062f \u062a\u0639\u0627\u0645\u0644 \u0628\u0646\u0648\u0643 \u0639\u0631\u0627\u0642\u064a\u0629 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0644\u0623\u0633\u0628\u0627\u0628 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0643\u0645\u0627 \u0648\u0631\u062f \u0641\u064a \u062a\u0642\u0627\u0631\u064a\u0631 Reuters (\u0641\u0628\u0631\u0627\u064a\u0631 2025) \u0648Wall Street Journal (\u0633\u0628\u062a\u0645\u0628\u0631 2024).<\/p>\n

\u00b7\u0623\u062b\u0631 \u0627\u0644\u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u062a\u0634\u062f\u064a\u062f \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a\u0629 \u0639\u0644\u0649 \u0646\u0627\u0641\u0630\u0629 \u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0639\u0631\u0627\u0642 \u0645\u0646\u0630 2022\u20132023 \u0642\u064a\u0651\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0635\u0639\u0628\u0629 \u0648\u0641\u0631\u0636 \u0625\u0639\u0627\u062f\u0629 \u0636\u0628\u0637 \u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u060c \u0645\u0639 \u062a\u062f\u0627\u0639\u064a\u0627\u062a \u0641\u064a \u0633\u0639\u0631 \u0627\u0644\u0635\u0631\u0641 \u0648\u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0648\u0627\u0632\u064a \u0628\u062d\u0633\u0628 \u062a\u0642\u0627\u0631\u064a\u0631 \u0645\u0648\u062b\u0648\u0642\u0629 (AP News).<\/p>\n

\u0627\u0644\u062e\u0644\u0627\u0635\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0629: \u0627\u0644\u0639\u0631\u0627\u0642 \u0645\u062a\u0635\u0644 \u0628\u0627\u0644\u0634\u0628\u0643\u0629 \u0644\u0643\u0646\u0647 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0644 \u0641\u064a \u062a\u0634\u063a\u064a\u0644 \u0642\u0646\u0648\u0627\u062a\u0647\u0627\u061b \u0646\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0644\u063a\u0629\u060c \u0644\u0643\u0646\u0646\u0627 \u0644\u0627 \u0646\u0645\u0644\u0643 \u0627\u0644\u0642\u0644\u0645 \u0627\u0644\u0630\u064a \u064a\u0643\u062a\u0628 \u0628\u0647\u0627.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u0631\u0627\u0628\u0639: \u0645\u0646 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0648\u0631\u0642\u064a \u0625\u0644\u0649 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0633\u064a\u0627\u062f\u064a<\/strong><\/h4>\n

\u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0646 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u0637\u0628\u0648\u0639 \u0625\u0644\u0649 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0645\u064f\u0628\u0631\u0645\u062c (CBDC)<\/p>\n

\u064a\u062a\u062c\u0647 \u0627\u0644\u0639\u0627\u0644\u0645 \u0646\u062d\u0648 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629 (CBDC) \u0643\u0637\u0628\u0642\u0629 \u0646\u0642\u062f\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u062a\u064f\u062d\u0627\u0643\u064a \u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0648\u062a\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0631\u0642\u0645\u0646\u0629.<\/p>\n

\u00b7\u0627\u0644\u0635\u064a\u0646 (e-CNY): \u0623\u0648\u0633\u0639 \u062a\u062c\u0631\u0628\u0629 CBDC \u0641\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u060c \u062a\u0648\u0633\u0639\u062a \u0639\u0628\u0631 \u0645\u062f\u0646 \u0639\u062f\u064a\u062f\u0629\u060c \u0648\u0634\u0645\u0644\u062a \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0641\u064a \u0647\u0648\u0646\u063a \u0643\u0648\u0646\u063a (\u0645\u0627\u064a\u0648 2024)\u060c \u0645\u0639 \u0646\u0645\u0648 \u0643\u0628\u064a\u0631 \u0641\u064a \u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0628\u064a\u0646 2023\u20132024.<\/p>\n

\u00b7\u0631\u0648\u0633\u064a\u0627 (\u0627\u0644\u0631\u0648\u0628\u0644 \u0627\u0644\u0631\u0642\u0645\u064a): \u0625\u0637\u0627\u0631 \u0642\u0627\u0646\u0648\u0646\u064a \u0646\u0627\u0641\u0630 \u0645\u0646\u0630 \u064a\u0648\u0644\u064a\u0648 2023\u060c \u0648\u062a\u062c\u0627\u0631\u0628 \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0645\u0631\u062d\u0644\u064a\u0629 \u0645\u0639 \u062e\u0637\u0629 \u062a\u0628\u0646\u064d\u0651 \u0648\u0627\u0633\u0639 \u0627\u0644\u0646\u0637\u0627\u0642 \u062e\u0644\u0627\u0644 2025.<\/p>\n

\u00b7\u062d\u0627\u0644\u0629 \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643: \u0627\u0644\u0628\u0646\u064a\u0629 \u0623\u0648\u0644\u0627\u064b\u2026 \u062b\u0645 \u0627\u0644\u0639\u0645\u0644\u0629<\/p>\n

\u0644\u0645 \u062a\u064f\u0635\u062f\u0631 \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643 \u062d\u062a\u0649 \u0627\u0644\u0622\u0646 \u00ab\u0643\u0631\u0648\u0646\u0629 \u0631\u0642\u0645\u064a\u0629\u00bb (Digital Krone) \u0645\u062b\u0644 \u0627\u0644\u0635\u064a\u0646 \u0623\u0648 \u0631\u0648\u0633\u064a\u0627\u060c \u0644\u0643\u0646\u0647\u0627 \u0627\u062e\u062a\u0627\u0631\u062a \u0645\u0633\u0627\u0631\u0627\u064b \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u064b \u0645\u062e\u062a\u0644\u0641\u0627\u064b \u064a\u0642\u0648\u0645 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u062f\u0641\u0639 \u0623\u0648\u0644\u0627\u064b \u0642\u0628\u0644 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0633\u064a\u0627\u062f\u064a.<\/p>\n

\u0641\u064a \u0639\u0627\u0645 2024\u060c \u0623\u0639\u0644\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643\u064a (Danmarks Nationalbank) \u0628\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (ECB) \u0639\u0646 \u062f\u0645\u062c \u0627\u0644\u0643\u0631\u0648\u0646\u0629 \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643\u064a\u0629 \u0636\u0645\u0646 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 T2 \u0648TIPS \u0628\u062d\u0644\u0648\u0644 2025.<\/p>\n

\u0648\u0647\u0630\u0627 \u0627\u0644\u062f\u0645\u062c \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0643\u0631\u0648\u0646\u0629 \u0633\u062a\u064f\u062f\u0627\u0631 \u0648\u062a\u064f\u0633\u0648\u0649 \u0639\u0628\u0631 \u0634\u0628\u0643\u0629 \u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0645\u0648\u062d\u0651\u062f\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0644\u062d\u0638\u064a\u0629 (Instant Payments)\u060c \u0628\u0646\u0641\u0633 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u064a\u0648\u0631\u0648.<\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u0642\u0631\u0627\u0631 \u064a\u0639\u0643\u0633 \u0631\u0624\u064a\u0629 \u062f\u0646\u0645\u0627\u0631\u0643\u064a\u0629 \u0645\u062d\u0627\u0641\u0638\u0629 \u062a\u0631\u0649 \u0623\u0646 \u0627\u0644\u0646\u062c\u0627\u062d \u0641\u064a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0627 \u064a\u0628\u062f\u0623 \u0628\u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0646\u0641\u0633\u0647\u0627\u060c \u0628\u0644 \u0628\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0648\u062d\u062f\u0629 \u0648\u0627\u0644\u0645\u062a\u0631\u0627\u0628\u0637\u0629 \u0623\u0648\u0644\u0627\u064b \u0623\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 (ISO 20022)\u060c \u0648\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629.<\/p>\n

\u0627\u0644\u0646\u062a\u064a\u062c\u0629:<\/strong><\/h4>\n

\u062a\u064f\u0638\u0647\u0631 \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643\u064a\u0629 \u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0646\u0642\u062f\u064a \u0644\u0627 \u064a\u064f\u0642\u0627\u0633 \u0628\u0633\u0631\u0639\u0629 \u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0628\u0644 \u0628\u0642\u062f\u0631\u0629 \u0627\u0644\u062f\u0648\u0644\u0629 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062b \u0648\u0625\u062f\u0627\u0631\u0629 \u0628\u0646\u064a\u062a\u0647\u0627 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062f\u0627\u062e\u0644\u064a\u0627\u064b\u060c \u0648\u0647\u0648 \u062f\u0631\u0633 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0644\u0644\u0639\u0631\u0627\u0642 \u0642\u0628\u0644 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a\u00a0 \u0627\u0644\u062f\u064a\u0646\u0627\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n

\u0627\u0644\u0645\u063a\u0632\u0649 \u0644\u0644\u0639\u0631\u0627\u0642:<\/strong><\/h4>\n

\u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0633\u064a\u0627\u062f\u064a \u0627\u0644\u0631\u0642\u0645\u064a (Digital Dinar) \u0644\u064a\u0633 \u0645\u0634\u0631\u0648\u0639\u0627\u064b \u0628\u0631\u0645\u062c\u064a\u0627\u064b \u0641\u062d\u0633\u0628\u060c \u0628\u0644 \u0645\u0624\u0633\u0633\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u062a\u0639\u0632\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u062e\u0641\u0636 \u0643\u0644\u0641\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u062a\u0632\u064a\u062f \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629\u060c \u0628\u0634\u0631\u0637 \u0623\u0646 \u062a\u064f\u0628\u0646\u0649 \u0639\u0644\u0649 \u0645\u0631\u0627\u0643\u0632 \u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0648\u0628\u0631\u0648\u062a\u0648\u0643\u0648\u0644\u0627\u062a \u062a\u0634\u0641\u064a\u0631 \u0648\u062e\u0632\u0627\u0626\u0646 \u0645\u0641\u0627\u062a\u064a\u062d \u062a\u062d\u062a \u0648\u0644\u0627\u064a\u0629 \u0639\u0631\u0627\u0642\u064a\u0629 \u0643\u0627\u0645\u0644\u0629.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u062e\u0627\u0645\u0633: \u0645\u0646 SWIFT \u0625\u0644\u0649 Iraqi Financial Net (IFN)<\/strong><\/h4>\n

\u0628\u0646\u0627\u0621 \u0637\u0628\u0642\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0639\u0627\u0644\u0645\u064a<\/strong><\/h4>\n

\u062a\u0639\u0631\u064a\u0641 \u0645\u0648\u062c\u0632:
\nIraqi Financial Net (IFN)<\/em> \u00a0\u0647\u064a \u0637\u0628\u0642\u0629 \u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0628\u0645\u0639\u064a\u0627\u0631 \u00a0ISO 20022 \u062a\u064f\u0633\u062c\u0651\u064e\u0644 \u0648\u062a\u064f\u062d\u0643\u064e\u0645 \u0631\u0633\u0627\u0626\u0644\u0647\u0627 \u062f\u0627\u062e\u0644 \u0627\u0644\u0639\u0631\u0627\u0642\u060c \u0648\u062a\u062a\u0635\u0644 \u062e\u0627\u0631\u062c\u064a\u0627\u064b \u0639\u0628\u0631 \u0628\u0648\u0627\u0628\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u0648\u0637\u0646\u064a\u0629 \u062a\u0636\u0628\u0637 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0642\u0628\u0644 \u0623\u064a \u0628\u062b \u0625\u0644\u0649 SWIFT.<\/p>\n

\u0627\u0644\u0641\u0643\u0631\u0629: \u0625\u0646\u0634\u0627\u0621 \u0634\u0628\u0643\u0629 \u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0637\u0646\u064a\u0629 \u062a\u0639\u0645\u0644 \u0648\u0641\u0642 ISO 20022 \u0648\u062a\u062a\u0635\u0644 \u062e\u0627\u0631\u062c\u064a\u0627\u064b \u0639\u0628\u0631 \u0628\u0648\u0627\u0628\u0629 \u0639\u0631\u0627\u0642\u064a\u0629. \u0647\u0630\u0627 \u0644\u064a\u0633 \u0627\u0646\u0641\u0635\u0627\u0644\u0627\u064b \u060c \u0628\u0644 \u0637\u0628\u0642\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u062a\u0636\u0628\u0637 \u0627\u0644\u062a\u062f\u0641\u0642\u060c \u0643\u0645\u0627 \u0641\u0639\u0644\u062a \u062f\u0648\u0644 \u0623\u062e\u0631\u0649:<\/p>\n

\u00b7 SPFS \/ \u0631\u0648\u0633\u064a\u0627: \u0646\u0638\u0627\u0645 \u0631\u0633\u0627\u0626\u0644 \u0645\u0627\u0644\u064a \u0645\u062d\u0644\u064a \u064a\u0639\u0645\u0644 24\/7\/365 \u0648\u064a\u064f\u0643\u0645\u0644 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0639\u0628\u0631 \u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u064a\u0646 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629.\u00b7 CIPS \/ \u0627\u0644\u0635\u064a\u0646: \u0646\u0638\u0627\u0645 \u062a\u0635\u0641\u064a\u0629 \u0648\u062a\u0633\u0648\u064a\u0629 \u0628\u0627\u0644\u064a\u0648\u0627\u0646 \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f\u060c \u0623\u0643\u0628\u0631 \u0645\u0646 \u0643\u0648\u0646\u0647 \u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0641\u062d\u0633\u0628.\u00b7 SFMS \/ \u0627\u0644\u0647\u0646\u062f: \u0645\u0639\u064a\u0627\u0631 \u0631\u0633\u0627\u0626\u0644 \u0645\u0627\u0644\u064a \u0648\u0637\u0646\u064a \u064a\u0631\u0628\u0637 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u0628\u0646\u0649 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629.\u062e\u0627\u0631\u0637\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0641\u064a \u0627\u0644\u0639\u0631\u0627\u0642 (\u062b\u0644\u0627\u062b \u0645\u0631\u0627\u062d\u0644)\u062a\u0645 \u062d\u062c\u0628\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0642\u0627\u0644\u00a0 \u0644\u0627\u0646\u0647\u0627 \u062f\u0631\u0627\u0633\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0628\u062d\u062f \u0630\u0627\u062a\u0647\u0627\u00a0 .<\/p>\n

\u00a0\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u0633\u0627\u062f\u0633: \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a \u0643\u062f\u0631\u0639 \u0644\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/h4>\n

\u0645\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644 \u0625\u0644\u0649 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062b\u0642\u0629<\/p>\n

\u0627\u0644\u0647\u062c\u0645\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u062b\u0642\u0629 \u0642\u0628\u0644 \u0627\u0644\u0645\u0627\u0644\u061b \u0648\u0627\u0644\u062b\u0642\u0629 \u0647\u064a \u0639\u0645\u0644\u0629 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a. \u0644\u0630\u0627:<\/p>\n

\u00b7 \u062a\u0623\u0633\u064a\u0633 \u0645\u0631\u0643\u0632 \u0648\u0637\u0646\u064a \u0644\u0644\u0623\u0645\u0646 \u0627\u0644\u0645\u0635\u0631\u0641\u064a (Banking SOC) \u064a\u0639\u0645\u0644 24\/7 \u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a\u060c \u0627\u0644\u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u0645\u0628\u0643\u0631\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062d\u0648\u0627\u062f\u062b.<\/p>\n

\u00b7 \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0627\u0633\u062a\u062e\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0647\u062f\u064a\u062f\u064a\u0629 (CTI) \u0628\u0645\u063a\u0630\u064a\u0627\u062a \u0645\u0646 \u0645\u0632\u0648\u062f\u064a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0645\u0646\u0638\u0648\u0645\u0627\u062a ISO 20022 \u0627\u0644\u063a\u0646\u064a\u0629 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/p>\n

\u00b7\u0625\u0642\u0631\u0627\u0631 \u0642\u0627\u0646\u0648\u0646 \u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Banking Data Sovereignty Act) \u0644\u0641\u0631\u0636 \u062a\u0648\u0637\u064a\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u062f\u0627\u062e\u0644 \u0627\u0644\u0639\u0631\u0627\u0642\u060c \u0648\u0645\u0646\u0639 \u0627\u0644\u062a\u062e\u0632\u064a\u0646\/\u0627\u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u062e\u0627\u0631\u062c \u0627\u0644\u062d\u062f\u0648\u062f \u0625\u0644\u0627 \u0628\u062a\u0631\u062e\u064a\u0635 \u0633\u064a\u0627\u062f\u064a \u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u062f\u0642\u064a\u0642.<\/p>\n

\u00b7 \u0645\u0648\u0627\u0621\u0645\u0629 \u0625\u0644\u0632\u0627\u0645\u064a\u0629 \u0645\u0639 ISO 27001 \u0648 PCI DSS \u0641\u064a \u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0648\u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639.<\/p>\n

\u00b7 \u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d (KMS\/HSM): \u062a\u0648\u0637\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0641\u064a \u062e\u0632\u0627\u0626\u0646 \u0623\u062c\u0647\u0632\u0629 HSM \u0648\u0637\u0646\u064a\u0629 \u062a\u062d\u062a \u0648\u0644\u0627\u064a\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0648\u0645\u0646\u0639 \u0627\u0633\u062a\u0636\u0627\u0641\u0629 \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d \u062e\u0627\u0631\u062c \u0627\u0644\u062d\u062f\u0648\u062f.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u0633\u0627\u0628\u0639: \u0646\u062d\u0648 \u0646\u0645\u0648\u0630\u062c \u0639\u0631\u0627\u0642\u064a \u0644\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/strong><\/h4>\n

\u062b\u0644\u0627\u062b \u0631\u0643\u0627\u0626\u0632 \u0644\u0644\u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0648\u0637\u0646\u064a<\/p>\n

1.\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a: \u062a\u0634\u063a\u064a\u0644 IFN \u00a0\u0643\u0642\u0646\u0627\u0629 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0628\u062f\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0643\u0627\u0645\u0644 \u0639\u0644\u0649 \u0645\u0631\u0627\u0633\u0644\u064a\u0646 \u062e\u0627\u0631\u062c\u064a\u064a\u0646.<\/p>\n

2.\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a: \u0625\u062f\u0627\u0631\u0629 \u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0639\u0631\u0627\u0642 \u0628\u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0647\u064a\u0626\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n

3.\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u0637: \u0625\u0646\u0634\u0627\u0621 \u0633\u062d\u0627\u0628\u0629 \u0645\u0627\u0644\u064a\u0629 \u0648\u0637\u0646\u064a\u0629 (Iraqi National Financial Cloud) \u062a\u0633\u062a\u0636\u064a\u0641 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u062a\u0643\u0648\u0646 \u0642\u0627\u0639\u062f\u0629 \u0644\u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u062f\u064a\u0646\u0627\u0631 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0639\u0631\u0627\u0642\u064a (Digital Dinar) \u0644\u0627\u062d\u0642\u0627\u064b \u0644\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0627\u0644\u0622\u0645\u0646\u0629.<\/p>\n

\u00a0\u0627\u0644\u0641\u0631\u0635\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0644\u0644\u0639\u0631\u0627\u0642<\/strong><\/h4>\n

\u00b7\u064a\u062a\u062d\u0648\u0651\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0645\u0646 \u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0645\u0634\u062a\u062a\u0629 \u0625\u0644\u0649 \u0628\u0646\u0649 \u0633\u064a\u0627\u062f\u064a\u0629 \u0631\u0642\u0645\u064a\u0629.<\/p>\n

\u00b7\u0627\u0645\u062a\u0644\u0627\u0643 IFN \u0627\u0644\u064a\u0648\u0645 \u064a\u0639\u0646\u064a \u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u062a\u062f\u0641\u0642 \u0627\u0644\u0645\u0627\u0644 \u063a\u062f\u0627\u064b.<\/p>\n

\u00b7\u0645\u0646 \u064a\u0633\u0628\u0642 \u0641\u064a \u0628\u0646\u0627\u0621 \u0637\u0628\u0642\u062a\u0647 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0633\u064a\u062d\u0643\u0645 \u0644\u063a\u062a\u0647 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c<\/p>\n

\u0648\u0645\u0646 \u064a\u062a\u0623\u062e\u0631 \u0633\u064a\u0643\u062a\u0628 \u0631\u0633\u0627\u0626\u0644\u0647 \u0628\u0642\u0644\u0645 \u0627\u0644\u0622\u062e\u0631\u064a\u0646.<\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u062b\u0627\u0645\u0646: \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0643\u0623\u0648\u0644\u0648\u064a\u0629 \u0648\u0637\u0646\u064a\u0629<\/strong><\/h4>\n

\u0627\u0644\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0645\u0627\u0644\u064a = \u0625\u0635\u0644\u0627\u062d \u0633\u064a\u0627\u062f\u064a<\/p>\n

\u0627\u0644\u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0644\u064a\u0633 \u0645\u0634\u0631\u0648\u0639\u0627\u064b \u062a\u0642\u0646\u064a\u0627\u064b\u061b \u0625\u0646\u0647 \u0645\u0634\u0631\u0648\u0639 \u0633\u064a\u0627\u062f\u064a \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a:<\/p>\n

\u00b7\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0644\u062a\u0642\u0646\u064a\u0646 IFN \u0648\u0627\u0644\u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0645\u0648\u062d\u062f.<\/p>\n

\u00b7\u0628\u0646\u0627\u0621 \u0643\u0648\u0627\u062f\u0631 \u0641\u064a \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062f\u0648\u0644\u064a.<\/p>\n

\u00b7\u062a\u0648\u0633\u064a\u0639 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 (Compliance) \u0644\u064a\u0634\u0645\u0644 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a \u0628\u062c\u0627\u0646\u0628 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0628\u062d\u062a.<\/p>\n

\u00b7\u0625\u0644\u0632\u0627\u0645 \u0643\u0644 \u0628\u0646\u0643 \u0628\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0641\u064a \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629 \u00a0IFN + \u0627\u0644\u0633\u062d\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629\u00a0 \u0628\u062f\u0644 \u0628\u064a\u0626\u0627\u062a \u0645\u0634\u062a\u062a\u0629 \u0648\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0623\u062c\u0646\u0628\u064a\u0629 \u063a\u064a\u0631 \u0645\u0648\u062d\u062f\u0629.<\/p>\n

\u0627\u0644\u062e\u0627\u062a\u0645\u0629: \u0645\u0646 \u0644\u0627 \u064a\u0645\u0644\u0643 \u062e\u0648\u0627\u062f\u0645\u0647 \u0644\u0627 \u064a\u0645\u0644\u0643 \u0642\u0631\u0627\u0631\u0647<\/strong><\/h4>\n

\u0625\u0646\u0651 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0627 \u062a\u064f\u0642\u0627\u0633 \u0628\u062d\u062c\u0645 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a \u0623\u0648 \u0639\u062f\u062f \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0645\u0637\u0628\u0648\u0639\u0629\u060c \u0628\u0644 \u0628\u0645\u0646 \u064a\u0645\u062a\u0644\u0643 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u0645\u064a \u062a\u0644\u0643 \u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062f\u064a\u0631 \u062d\u0631\u0643\u062a\u0647\u0627. \u0641\u0645\u0646 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646 \u0633\u064a\u064f\u0642\u0627\u062f \u0628\u0642\u0631\u0627\u0631\u0627\u062a\u0647\u0645\u060c \u0623\u0645\u0627 \u0645\u0646 \u064a\u064f\u0634\u064a\u0651\u062f \u0628\u0646\u064a\u062a\u0647 \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0641\u0633\u064a\u0643\u062a\u0628 \u0628\u0646\u0641\u0633\u0647 \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0644\u0639\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u064a\u0645\u0633\u0643 \u0628\u0632\u0645\u0627\u0645 \u0623\u0645\u0648\u0627\u0644\u0647 \u0648\u0642\u0631\u0627\u0631\u0647 \u0645\u0639\u0627\u064b. \u0641\u064a \u0639\u0627\u0644\u0645\u064d \u0623\u0635\u0628\u062d\u062a \u0641\u064a\u0647 \u0627\u0644\u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0623\u0642\u0648\u0649 \u0645\u0646 \u0627\u0644\u062c\u064a\u0648\u0634\u060c \u0648\u0627\u0644\u0623\u0643\u0648\u0627\u062f \u0647\u064a \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0646\u0641\u0648\u0630\u060c \u0644\u0627 \u0645\u0643\u0627\u0646 \u0644\u062f\u0648\u0644\u0629\u064d \u0644\u0627 \u062a\u0645\u0644\u0643 \u0633\u064a\u0627\u062f\u062a\u0647\u0627 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629. \u0625\u0646\u0651 \u0627\u0644\u0637\u0631\u064a\u0642 \u0645\u0646 SWIFT \u0625\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0645\u0634\u0631\u0648\u0639 \u0645\u0635\u0631\u0641\u064a \u0623\u0648 \u0642\u0637\u0627\u0639\u064a\u060c \u0628\u0644 \u0645\u0634\u0631\u0648\u0639 \u062f\u0648\u0644\u0629\u064d \u062a\u0633\u0639\u0649 \u0644\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0642\u0631\u0627\u0631\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062d\u0645\u0627\u064a\u0629 \u062b\u0631\u0648\u062a\u0647\u0627 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u0648\u0646\u0627\u0641\u0630\u062a\u0647 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0644\u064a\u0633\u062a \u063a\u062f\u0627\u064b… \u0628\u0644 \u0627\u0644\u0622\u0646.<\/p>\n

\u0627\u0644\u0645\u0635\u0627\u062f\u0631<\/strong><\/h4>\n

1.\u062a\u0642\u0631\u064a\u0631 SWIFT \u0627\u0644\u0633\u0646\u0648\u064a \u0644\u0639\u0627\u0645 2023:
\n\u0623\u0634\u0627\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0645\u062a\u0648\u0633\u0637 \u062d\u062c\u0645 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FIN) \u0641\u064a \u0634\u0628\u0643\u0629 SWIFT \u0628\u0644\u063a \u0646\u062d\u0648 47.6 \u0645\u0644\u064a\u0648\u0646 \u0631\u0633\u0627\u0644\u0629 \u064a\u0648\u0645\u064a\u0627\u064b \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 2023.
\n\u0627\u0644\u0645\u0635\u062f\u0631: \u0645\u0648\u0642\u0639<\/em> SWIFT <\/em>\u0627\u0644\u0631\u0633\u0645\u064a<\/em>.<\/em><\/p>\n

2.\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0628\u0644\u062c\u064a\u0643\u064a (National Bank of Belgium):
\n\u062a\u0642\u0631\u064a\u0631 \u062d\u0648\u0644 \u062d\u0631\u0643\u0629 \u0631\u0633\u0627\u0626\u0644 SWIFT \u0644\u0639\u0627\u0645 2024\u060c \u062d\u064a\u062b \u0628\u0644\u063a \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u064a\u0648\u0645\u064a \u0646\u062d\u0648 53.3 \u0645\u0644\u064a\u0648\u0646 \u0631\u0633\u0627\u0644\u0629 \u0645\u0627\u0644\u064a\u0629.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: nbb.be.<\/em><\/p>\n

3.SWIFT \u2013 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0645\u0639\u064a\u0627\u0631 ISO 20022:
\n\u0648\u062b\u0627\u0626\u0642 \u062a\u0648\u0636\u062d \u0646\u0647\u0627\u064a\u0629 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0627\u064a\u0634 \u0628\u064a\u0646 \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0646 MT \u0648ISO 20022 \u0641\u064a \u0646\u0648\u0641\u0645\u0628\u0631 2025\u060c \u0648\u0627\u0646\u062a\u0642\u0627\u0644 \u0646\u0638\u0627\u0645 Fedwire \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a \u0641\u064a \u0645\u0627\u0631\u0633 2025 \u0625\u0644\u0649 \u0627\u0644\u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u062c\u062f\u064a\u062f.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: swift.com.<\/em><\/p>\n

4.\u062a\u0642\u0631\u064a\u0631 \u0628\u0646\u0643 J.P. Morgan:
\n\u062a\u0648\u0636\u064a\u062d\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0645\u0648\u0627\u0639\u064a\u062f \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0644\u0625\u064a\u0642\u0627\u0641 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 (MT103\/MT202) \u0641\u064a \u0625\u0637\u0627\u0631 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0645\u0639\u064a\u0627\u0631 ISO 20022.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: JPMorgan.<\/em><\/p>\n

5.\u0631\u0645\u0632 SWIFT \u0627\u0644\u062e\u0627\u0635 \u0628\u0628\u0646\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a (Trade Bank of Iraq):
\n\u0627\u0644\u0631\u0645\u0632 \u0627\u0644\u062f\u0648\u0644\u064a TRIQIQBA \u0627\u0644\u0645\u0633\u062c\u0651\u0644 \u0641\u064a \u0634\u0628\u0643\u0629 SWIFT \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629.
\n\u0627\u0644\u0645\u0635\u062f\u0631: \u0645\u0646\u0635\u0629<\/em> Wise <\/em>\u0648\u0628\u064a\u0627\u0646\u0627\u062a<\/em> SWIFT <\/em>\u0627\u0644\u0631\u0633\u0645\u064a\u0629<\/em>.<\/em><\/p>\n

6.\u0645\u0624\u0633\u0633\u0629 \u0643\u0627\u0631\u0646\u064a\u063a\u064a \u0644\u0644\u0633\u0644\u0627\u0645 \u0627\u0644\u062f\u0648\u0644\u064a (Carnegie Endowment):
\n\u062a\u062d\u0644\u064a\u0644 \u062d\u0648\u0644 \u0623\u062b\u0631 \u0641\u0635\u0644 \u0625\u064a\u0631\u0627\u0646 \u0639\u0646 \u0646\u0638\u0627\u0645 SWIFT \u0639\u0627\u0645 2012\u060c \u0648\u0627\u0644\u0630\u064a \u0623\u062f\u0649 \u0625\u0644\u0649 \u0641\u0642\u062f\u0627\u0646 \u0646\u062d\u0648 50% \u0645\u0646 \u0625\u064a\u0631\u0627\u062f\u0627\u062a\u0647\u0627 \u0627\u0644\u0646\u0641\u0637\u064a\u0629 \u0648\u0627\u0646\u062e\u0641\u0627\u0636 \u062a\u062c\u0627\u0631\u062a\u0647\u0627 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0628\u0645\u0627 \u064a\u0642\u0627\u0631\u0628 30%.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: carnegieendowment.org.<\/em><\/p>\n

7.\u0645\u062c\u0644\u0633 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (EU Council):
\n\u0648\u062b\u0627\u0626\u0642 \u0631\u0633\u0645\u064a\u0629 \u062a\u0648\u0636\u0651\u062d \u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0639\u0644\u0649 \u0631\u0648\u0633\u064a\u0627 \u0639\u0627\u0645 2022\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0633\u062a\u0628\u0639\u0627\u062f \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0631\u0648\u0633\u064a\u0629 \u0645\u0646 \u0646\u0638\u0627\u0645 SWIFT.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: consilium.europa.eu.<\/em><\/p>\n

8.\u0645\u0631\u0635\u062f \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f (Economics Observatory):
\n\u062f\u0631\u0627\u0633\u0629 \u062d\u0648\u0644 \u0641\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0627\u0644\u063a\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u0641\u0631\u0648\u0636\u0629 \u0639\u0644\u0649 \u0631\u0648\u0633\u064a\u0627 \u0648\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0642\u0637\u0627\u0639\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: economicsobservatory.com.<\/em><\/p>\n

9.\u0648\u0643\u0627\u0644\u0629 \u0631\u0648\u064a\u062a\u0631\u0632 (Reuters) \u2013 16 \u0634\u0628\u0627\u0637 \/ \u0641\u0628\u0631\u0627\u064a\u0631 2025:
\n\u062a\u0642\u0631\u064a\u0631 \u062d\u0648\u0644 \u0642\u0631\u0627\u0631 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629 \u062d\u0638\u0631 \u062e\u0645\u0633\u0629 \u0628\u0646\u0648\u0643 \u0645\u062d\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0628\u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a \u0639\u0642\u0628 \u0627\u062c\u062a\u0645\u0627\u0639\u0627\u062a \u0645\u0639 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u0627\u0646\u0629 \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a\u0629.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: reuters.com.<\/em><\/p>\n

10. \u0635\u062d\u064a\u0641\u0629 \u0648\u0648\u0644 \u0633\u062a\u0631\u064a\u062a \u062c\u0648\u0631\u0646\u0627\u0644 (The Wall Street Journal) \u2013 \u0623\u064a\u0644\u0648\u0644 \/ \u0633\u0628\u062a\u0645\u0628\u0631 2024:
\n\u062a\u062d\u0642\u064a\u0642 \u0627\u0633\u062a\u0642\u0635\u0627\u0626\u064a \u062d\u0648\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0645\u064a\u0631\u0643\u064a \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0644\u0627\u0644\u064a\u0629 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0648\u0637\u0646\u064a.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: wsj.com.<\/em><\/p>\n

11. \u0648\u0643\u0627\u0644\u0629 \u0623\u0633\u0648\u0634\u064a\u062a\u062f \u0628\u0631\u0633 (AP News):
\n\u062a\u0642\u0631\u064a\u0631 \u062d\u0648\u0644 \u062a\u0634\u062f\u064a\u062f \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0642\u064a\u0648\u062f \u062a\u062f\u0641\u0642 \u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0625\u0644\u0649 \u0627\u0644\u0639\u0631\u0627\u0642 \u0648\u0645\u0627 \u062a\u0628\u0639\u0647 \u0645\u0646 \u062a\u062f\u0627\u0639\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0648\u0633\u0639\u0631 \u0627\u0644\u0635\u0631\u0641.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: apnews.com.<\/em><\/p>\n

12. \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0635\u064a\u0646\u064a (People\u2019s Bank of China) \u2013 \u0648\u0643\u0627\u0644\u0629 \u0631\u0648\u064a\u062a\u0631\u0632 \u2013 \u0648\u0645\u0631\u0635\u062f Atlantic Council \u0644\u062a\u062a\u0628\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 (CBDC Tracker):
\n\u0628\u064a\u0627\u0646\u0627\u062a \u062d\u0648\u0644 \u062a\u0648\u0633\u0639 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u064a\u0648\u0627\u0646 \u0627\u0644\u0631\u0642\u0645\u064a (e-CNY)\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0628\u062f\u0621 \u062a\u062c\u0627\u0631\u0628\u0647 \u0641\u064a \u0647\u0648\u0646\u063a \u0643\u0648\u0646\u063a \u0648\u0646\u0645\u0648 \u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u062a\u0639\u0627\u0645\u0644\u0627\u062a \u062e\u0644\u0627\u0644 2023\u20132024.
\n\u0627\u0644\u0645\u0635\u0627\u062f\u0631<\/em>: reuters.com<\/em>\u060c <\/em>atlanticcouncil.org<\/em>\u060c \u0648<\/em>pbc.gov.cn.<\/em><\/p>\n

13. \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0631\u0648\u0628\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0641\u0646\u064a\u0629 \u0645\u0646 \u0628\u0646\u0643 \u0631\u0648\u0633\u064a\u0627 (Bank of Russia):
\n\u0646\u0635\u0648\u0635 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a \u0627\u0644\u0631\u0648\u0633\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u060c \u0648\u062a\u0641\u0627\u0635\u064a\u0644 \u0645\u0631\u0627\u062d\u0644 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0645\u0634\u0631\u0648\u0639.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: digitalpolicyalert.org <\/em>\u0648<\/em>cbr.ru.<\/em><\/p>\n

14. \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (ECB) \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643\u064a (Danmarks Nationalbank) \u2013 \u0622\u0630\u0627\u0631 \/ \u0645\u0627\u0631\u0633 2024:
\n\u0625\u0639\u0644\u0627\u0646 \u0645\u0634\u062a\u0631\u0643 \u062d\u0648\u0644 \u0625\u062f\u0645\u0627\u062c \u0627\u0644\u0643\u0631\u0648\u0646\u0629 \u0627\u0644\u062f\u0646\u0645\u0627\u0631\u0643\u064a\u0629 \u0641\u064a \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 T2 \u0648TIPS \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2025.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: ecb.europa.eu.<\/em><\/p>\n

15. \u0628\u0646\u0643 \u0631\u0648\u0633\u064a\u0627 \u2013 \u0646\u0638\u0627\u0645 SPFS:
\n\u062a\u0642\u0631\u064a\u0631 \u0631\u0633\u0645\u064a \u064a\u0634\u0631\u062d \u0646\u0638\u0627\u0645 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0648\u0633\u064a (SPFS)\u060c \u0648\u0628\u0646\u064a\u062a\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c \u0648\u0622\u0644\u064a\u0629 \u0639\u0645\u0644\u0647 \u0643\u0628\u062f\u064a\u0644 \u0645\u062d\u0644\u064a \u0644\u0634\u0628\u0643\u0629 SWIFT.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: cbr.ru.<\/em><\/p>\n

16. \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0635\u064a\u0646\u064a CIPS (Cross-Border Interbank Payment System):
\n\u0648\u062b\u0627\u0626\u0642 \u0631\u0633\u0645\u064a\u0629 \u062d\u0648\u0644 \u0622\u0644\u064a\u0629 \u0639\u0645\u0644 \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f \u0628\u0627\u0644\u064a\u0648\u0627\u0646 \u0627\u0644\u0635\u064a\u0646\u064a\u060c \u0648\u062f\u0648\u0631\u0647 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0635\u064a\u0646\u064a.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: cips.com.cn.<\/em><\/p>\n

17. \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0647\u0646\u062f\u064a SFMS (Structured Financial Messaging System):
\n\u0648\u062b\u0627\u0626\u0642 \u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0645\u0639\u0647\u062f \u062a\u0646\u0645\u064a\u0629 \u0648\u0628\u062d\u0648\u062b \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 IDRBT \u0648\u0634\u0631\u0643\u0629 IFTAS \u062a\u0648\u0636\u062d \u0622\u0644\u064a\u0629 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0647\u0646\u062f\u064a\u0629 \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629 \u0644\u0640 SWIFT.
\n\u0627\u0644\u0645\u0635\u062f\u0631<\/em>: idrbtca.org.in.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"

\u064a\u0637\u0631\u062d \u0631\u0624\u064a\u0629\u064b \u0644\u0628\u0646\u0627\u0621 \u0645\u0646\u0638\u0648\u0645\u0629\u064d \u0645\u0635\u0631\u0641\u064a\u0629\u064d \u0639\u0631\u0627\u0642\u064a\u0629\u064d \u0633\u064a\u0627\u062f\u064a\u0629\u064d \u0645\u0633\u062a\u0642\u0644\u0629\u064d\u060c \u062a\u0646\u062a\u0642\u0644 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 SWIFT \u0625\u0644\u0649 \u062a\u0623\u0633\u064a\u0633 \u0634\u0628\u0643\u0629\u064d \u0648\u0637\u0646\u064a\u0629\u064d IFN\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a\u060c \u0648\u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u062f\u064a\u0646\u0627\u0631 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0644\u0627\u0644 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629….<\/p>\n","protected":false},"author":529,"featured_media":17730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,53],"tags":[9201,2517,7817,9199,7980,9200,56,758,58,757,7001],"class_list":["post-17728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive---","category-economic-","tag-swift","tag-_","tag-__","tag-economic-","tag-758","tag-political-","tag-757","tag-7001"],"acf":[],"yoast_head":"\n\u0645\u0646 SWIFT \u0625\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0644\u0628\u0646\u064a\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0631\u0627\u0642\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 - \u0645\u0631\u06a9\u0632 \u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0634\u0647\u06cc\u062f \u0627\u0644\u062e\u0627\u0645\u0633<\/title>\n<meta name=\"description\" content=\"\u064a\u0637\u0631\u062d \u0631\u0624\u064a\u0629\u064b \u0644\u0628\u0646\u0627\u0621 \u0645\u0646\u0638\u0648\u0645\u0629\u064d \u0645\u0635\u0631\u0641\u064a\u0629\u064d \u0639\u0631\u0627\u0642\u064a\u0629\u064d \u0633\u064a\u0627\u062f\u064a\u0629\u064d \u0645\u0633\u062a\u0642\u0644\u0629\u064d\u060c \u062a\u0646\u062a\u0642\u0644 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 SWIFT \u0625\u0644\u0649 \u062a\u0623\u0633\u064a\u0633 \u0634\u0628\u0643\u0629\u064d \u0648\u0637\u0646\u064a\u0629\u064d IFN\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0623\u0645\u0646...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ar.shahidkhames.com\/?p=17728\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0645\u0646 SWIFT \u0625\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0644\u0628\u0646\u064a\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0631\u0627\u0642\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u0645\u0633\u062a\u0642\u0644\u0629\" \/>\n<meta property=\"og:description\" content=\"\u064a\u0637\u0631\u062d \u0631\u0624\u064a\u0629\u064b \u0644\u0628\u0646\u0627\u0621 \u0645\u0646\u0638\u0648\u0645\u0629\u064d \u0645\u0635\u0631\u0641\u064a\u0629\u064d \u0639\u0631\u0627\u0642\u064a\u0629\u064d \u0633\u064a\u0627\u062f\u064a\u0629\u064d \u0645\u0633\u062a\u0642\u0644\u0629\u064d\u060c \u062a\u0646\u062a\u0642\u0644 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 SWIFT \u0625\u0644\u0649 \u062a\u0623\u0633\u064a\u0633 \u0634\u0628\u0643\u0629\u064d \u0648\u0637\u0646\u064a\u0629\u064d IFN\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0623\u0645\u0646...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ar.shahidkhames.com\/?p=17728\" \/>\n<meta property=\"og:site_name\" content=\"\u0645\u0631\u06a9\u0632 \u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0634\u0647\u06cc\u062f \u0627\u0644\u062e\u0627\u0645\u0633\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-03T11:01:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T11:02:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ar.shahidkhames.com\/wp-content\/uploads\/2025\/11\/\u0642\u0627\u0644\u0628-\u0639\u06a9\u0633-\u0634\u0627\u062e\u0635-\u062e\u0627\u0645\u0633-copy-3.gif\" \/>\n\t<meta property=\"og:image:width\" content=\"764\" \/>\n\t<meta property=\"og:image:height\" content=\"443\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/gif\" \/>\n<meta name=\"author\" content=\"\u0645. \u0645\u0635\u0637\u0641\u06cc \u0643\u0627\u0645\u0644 \u0627\u0644\u0634\u0631\u064a\u0641\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0645. \u0645\u0635\u0637\u0641\u06cc \u0643\u0627\u0645\u0644 \u0627\u0644\u0634\u0631\u064a\u0641\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 \u062f\u0642\u064a\u0642\u0629\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ar.shahidkhames.com\/?p=17728#article\",\"isPartOf\":{\"@id\":\"https:\/\/ar.shahidkhames.com\/?p=17728\"},\"author\":{\"name\":\"\u0645. \u0645\u0635\u0637\u0641\u06cc \u0643\u0627\u0645\u0644 \u0627\u0644\u0634\u0631\u064a\u0641\",\"@id\":\"https:\/\/ar.shahidkhames.com\/#\/schema\/person\/d203350eea8aa660cdc437bab73216e3\"},\"headline\":\"\u0645\u0646 SWIFT \u0625\u0644\u0649 \u0627\u0644\u0633\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062e\u0631\u064a\u0637\u0629 \u0627\u0644\u0637\u0631\u064a\u0642 \u0644\u0628\u0646\u064a\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0631\u0627\u0642\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 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