印度印度储备银行报道说

印度储备银行（RBI）报告说，“纸牌的令牌化”在两年内已广泛采用消费者

The Reserve Bank of India (RBI) has reported widespread adoption of “tokenization of cards” among consumers within two years, with over 91 crore (910 million) card-on-file tokens created as of December 31, 2024.

印度储备银行（RBI）报告说，在两年内，消费者中广泛采用了“纸牌的令牌”，截至2024年12月31日，创建了超过91亿（9.1亿）纸牌纸牌代币。

In its latest Payment System Report, released on January 27, the RBI highlighted that tokenization involves replacing actual card details with a unique code, called a “token,” which serves as an identifier for the customer’s card, enabling transactions to be processed. This token is specific to each device (device tokenization) or merchant (card-on-file tokenization), ensuring merchants do not store customers’ actual card information. The process also helps protect card details in the event of a security breach.

印度储备银行在其最新的付款系统报告中强调，令牌化涉及用唯一的代码替换实际的卡详细信息，称为“令牌”，该代码可作为客户卡的标识符，从而可以处理交易。该令牌是特定于每个设备（设备令牌化）或商家（纸牌标记化）的特定特定的，可确保商家不会存储客户的实际卡信息。该过程还有助于在安全漏洞的情况下保护卡详细信息。

The RBI authorized device tokenization in January 2019 and card-on-file tokenization (CoFT) in September 2021. Since then, tokenization has seen rapid adoption, with over 91 crore (910 million) tokens issued by December 2024. These tokens have facilitated more than 320 crore (3.2 billion) transactions.

印度储备银行将于2019年1月授权的设备令牌化和2021年9月的纸牌令牌化（COFT）。此后，Tokenization迅速采用了迅速的采用，到2024年12月发行的91千万（9.1亿）代币。超过32亿（32亿）交易。

RBI’s report states that using tokens for e-commerce transactions has eliminated the need for merchants and payment aggregators to store card data, resulting in almost 98% of e-commerce transactions being processed without using actual card details.

印度储备银行的报告指出，将代币用于电子商务交易已经消除了对商家和付款汇总者存储卡数据的需求，从而在不使用实际卡详细信息的情况下处理了几乎98％的电子商务交易。

Building on the success of tokenization, several new features have been introduced to enhance customer convenience. These improvements allow customers to simultaneously tokenize their cards across multiple leading merchants with their consent.

在令牌化成功的基础上，引入了一些新功能，以增强客户的便利性。这些改进使客户可以同意同意在多个领先的商人中同时将其卡片化。

“Over the past few years, digital payments in India have witnessed a phenomenal growth buoyed by the spectacular progress of Unified Payments Interface (UPI) and the plethora of digital payment options available,” T. Rabi Sankar, Deputy Governor of RBI, said in the foreword of the Payment System Report.

“在过去的几年中，印度的数字付款见证了统一支付界面（UPI）的壮观进步（UPI）和大量数字支付方案的惊人进步，” RBI副州长T. Rabi Sankar在付款系统报告的前言。

Digital payments in India have experienced a five-year compound annual growth rate (CAGR) of 45.9% in volume and 10.2% in value. Specifically, UPI saw a CAGR of 74% in volume and 68.14% in value from 2019 to 2024.

印度的数字支付经历了五年复合年增长率（CAGR）的数量为45.9％，价值为10.2％。具体而言，UPI的复合年增长率为74％，从2019年到2024年，价值为68.14％。

“Retail digital payments in India have grown from 162 crore (1.6 billion) transactions in the financial year 2012-13 to over 16,416 crore transactions in the financial year 2023-24 [which is] approximately 100-fold increase over 12 years. The remarkable growth in payment infrastructure and payment performance is also apparent in the Digital Payment Index published by RBI, which has witnessed more than four-fold rise in the last six years,” Sankar pointed out.

“印度的零售数字付款已从2012-13财年的162亿（16亿）交易增长到2023 - 24财政年度的1641.6亿以上交易[在12年内增长了约100倍。桑卡尔指出，在过去六年中，付款基础设施和付款绩效的显着增长也显而易见。

In the evolution of the payments ecosystem, the RBI has placed equal emphasis on ensuring its safety and security, as well as safeguarding consumers, Sankar said. Measures like two-factor authentication for payment security have been encouraged, even though such practices are not yet mandatory in many developed countries.

Sankar说，在付款生态系统的发展中，印度储备银行对确保其安全性和保障以及保护消费者的安全性同等重要。即使在许多发达国家中尚未强制执行此类实践，也鼓励了两因素身份验证的措施。

Cross-border payments still expensive, slow

跨境支付仍然昂贵，很慢

While domestic payment systems have become cheap and fast, cross-border payments remain expensive and slow.

虽然国内支付系统变得便宜且快速，但跨境支付仍然昂贵且缓慢。

“The Reserve Bank is focusing on interlinking the fast payment systems (FPS) with that of other countries to offer a seamless and less-costly cross-border payment experience,” Sankar stated.

桑卡尔说：“储备银行正在关注与其他国家的快速支付系统（FPS）相互联系，以提供无缝且成本较低的跨境支付体验。”

This mechanism and methodology of addressing the challenges in enhancing cross-border payments—such as high cost, low speed, limited access and limited transparency—has also been recognized by the international standard-setting bodies, like the Financial Stability Board (FSB), Committee on Payments and Market Infrastructures (CPMI), and others.

这种解决跨境支付挑战的机制和方法论（例如高成本，低速，有限的访问和有限的透明度）也得到了国际标准设定的机构的认可，例如金融稳定委员会（FSB），支付和市场基础设施委员会（CPMI）等。

“The Unified Payments Interface (UPI) of India and PayNow of Singapore were interlinked through extensive collaboration between the RBI and Monetary Authority of Singapore. Recent data shows that the cost of sending a remittance has come down noticeably,” Sankar added.

“印度的统一支付界面（UPI）和新加坡的付款方式通过印度储备银行与新加坡货币管理局之间的广泛合作而相互联系。最近的数据表明，发送汇款的成本明显下降了。” Sankar补充说。

Additionally, the RBI has become part of Project Nexus, a global initiative to facilitate instant cross-border retail payments by connecting domestic fast payment systems across various countries. Payments to merchants through Indian UPI apps using QR codes have been enabled in countries such as Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka, and the UAE.

此外，印度储备银行已成为Project Nexus的一部分，这是一项全球倡议，旨在通过连接各个国家的国内快速支付系统来促进即时跨境零售。在不丹，法国，毛里求斯，尼泊尔，尼泊尔，新加坡，斯里兰卡和阿联酋等国家，已经通过印度UPI应用程序向商人付款。

According to World Bank data cited in its report, the RBI stated that India continues to be the leading recipient of global foreign remittances, receiving a record $129 billion in 2024 (estimated), nearly twice as much as Mexico, which came second with $68 billion. This highlights India’s prominent role in the global remittance market, primarily supported by its extensive diaspora, which contributes significantly to foreign exchange reserves and economic stability.

根据报告中引用的世界银行数据，印度储备银行表示，印度仍然是全球外国汇款的领先接受者，在2024年获得了创纪录的1290亿美元（估计），几乎是墨西哥的两倍，第二名是680亿美元。这凸显了印度在全球汇款市场中的重要作用，主要由其广泛的侨民支持，这对外汇储备和经济稳定产生了重大贡献。

Regarding remittance outflows, the United States remains the top sender globally, with $93 billion sent in 2023, far surpassing other countries such as Saudi Arabia and

关于汇款的流出，美国仍然是全球最高的发送者，2023年派遣了930亿美元，远远超过了其他国家，例如沙特阿拉伯和