TL;DR. Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na 2026 yana ba bankuna Samfurin Balaga na Iyawa mai matakai biyar don ba da takardar shaida ga shugabancin littafi mai rarrabuwa, mutuncin yarjejeniya, sirri, tabbacin kwangilar wayo, da lura na bincike a kan DORA, PFMI na CPMI-IOSCO, ISO/IEC TC 307, ISO 42001, da Basel III.

Points clés

Taƙaitaccen dabaru (mafi muhimmanci). Bankin jomla da mu'amaloli na duniya a shekarar 2026 suna a wani mahimmin lokaci na sauyi na tarihi.
Muhimman abubuwa. A bankin gargajiya, amincewa tana da alaƙa, ta hukumomi, kuma ta baya-baya.
01. Gibin gogayya na amana a bankin dijital. A bankin gargajiya, amincewa tana da alaƙa, ta hukumomi, kuma ta baya-baya.
02. Tushen daidaitawa na ISO/IEC TC 307. Aikin tushe da ake buƙata don daidaita littattafai masu rarrabuwa ana kafa shi ta Kwamitin Fasaha na ISO/IEC TC 307 (Fasahohin sarƙar bulokci da littafi mai rarrabuwa).

Daga hujja zuwa gaskiya: dalilin da ya sa sarƙoƙin bulokci masu takardar shaida za su fassara sabon zamani na amincewar banki

Taƙaitaccen dabaru (mafi muhimmanci)

Bankin jomla da mu'amaloli na duniya a shekarar 2026 suna a wani mahimmin lokaci na sauyi na tarihi. Yayin da ayyukan kuɗi ke sauya zuwa cibiyoyin sadarwa na tsaftacewa na dijital na asali kuma na lokaci-lokaci, kuma yayin da basirar wucin gadi ke shigar da rashin tabbas na yiyuwa, tsofaffin samfuran tabbaci na baya-baya (kamar bincike-bincike na tsaye da suka danganci hukuma) ba sa ƙara biyan buƙatun zamani na sarrafa haɗari da wajibai na amana.

Kwamitin Fasaha na ISO/IEC TC 307 ya kafa tushe da aka daidaita don fasahohin littafi mai rarrabuwa. Duk da haka, ainihin karɓuwa na hukumomi yana buƙatar sauyawa daga jagoranci na kwatanci zuwa tabbaci na sarƙar bulokci na umarni wanda ake iya ba da takardar shaida kai tsaye. Ta hanyar ba da maki ga shugabancin littafi, mutuncin yarjejeniya, tsaron kwangilar wayo, da saurin sirri a kan wani tsayayyen Samfurin Balaga na Iyawa (CMM) mai matakai biyar, bankuna za su iya sauyawa daga zato masu tarwatsewa da suka keɓanci mai kaya zuwa gaskiyar kuɗi da ake iya ba da takardar shaida kuma hukumar gudanarwa ke iya bincika.

Muhimman abubuwa

Gibin gogayya na amana: a yau muna iya ba da takardar shaida ga banki (Basel III), giza-gizai (ISO 27001), da tsarin shugabancin AI (ISO 42001), amma har yanzu ba za mu iya ba da takardar shaida ga littafi mai rarrabuwa da ke ƙara tantance abin da ke gaskiya ba. Wannan rashin daidaito babbar rauni ce ta aiki.
DORA na tilasta alhakin amana kai tsaye: a ƙarƙashin Mataki na 5 na DORA, hukumomin darektocin banki suna ɗaukar alhakin mutum kai tsaye da ba za a iya wakilta ba game da juriya ta aiki na duk tura na ɓangare na uku da littafi, tare da hukunce-hukunce masu tsauri na mutum a ƙarƙashin tsarin SM&CR game da gazawa.
Ƙashin bayan bincike na AI: inda koyon na'ura ke samar da sakamako na yiyuwa da ba za a iya sake haifar da su ba, sarƙar bulokci mai takardar shaida na ba da ɗaukar yanayi na tabbatacce. Rubuta nau'ikan samfuri, shigarwa, da yanke shawara na tabbatarwa a kan sarƙa yana biyan ISO 42001 da ka'idojin sarrafa haɗarin samfuri.
Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida: wannan ma'auni yana tsara shugabanci, yarjejeniya, kwangilolin wayo, da lura zuwa katin maki da ake iya tabbatarwa kuma a shirye don bincike a kan sikelin CMM daga 0 zuwa 5, yana fassara ma'aunan injiniya zuwa bayanan sha'awar haɗari da hukumar gudanarwa ta amince.

01. Gibin gogayya na amana a bankin dijital

A bankin gargajiya, amincewa tana da alaƙa, ta hukumomi, kuma ta baya-baya. Tana dogara ga masu bincike na ɓangare na uku masu zaman kansu da ke duba yanayin kuɗi a kan tabbatattun lokuta, suna daidaita bambance-bambance tsakanin ɗakunan littattafai na ɓangarori biyu. A cikin kasuwannin lokaci-lokaci da API ke tuƙi na 2026, wannan samfurin yana shigar da jinkiri masu hanawa da haɗari na tsari.

Lokacin da mu'amaloli suka daidaita nan take, ana sarrafa tafkunan ruwan kuɗi na cikin rana ta hanyar ƙofofin API, kuma ana ba da alama ga mallakar dukiya a kan littattafai da aka raba, bincike-bincike na baya-baya suna zama ayyukan bincike na laifi maimakon sarrafawa na kariya. Masu amana ba za su ƙara dogara kawai ga ba da takardar shaida ga hukumar doka ba. Dole ne su ba da takardar shaida ga tushen dijital da kansa.

A halin yanzu, bankuna suna aiki a ƙarƙashin bayyananniyar rashin daidaito na gine-gine:

Kayan aiki na giza-gizai mai takardar shaida: ana tabbatar da kumburan kayan aiki, kwantena masu kama-da-wane, da cibiyoyin bayanai na zahiri a kan sarrafawa na ISO/IEC 27001 da SOC 2 Type II.
Hanyoyin sarrafawa masu takardar shaida: ana gudanar da manufofin haɗari na aiki, tsare-tsare na ci gaba da kasuwanci, da tura na algorithm ta hanyar tsarin haɗari masu tsauri.
Injunan littafi marasa takardar shaida: ana barin hanyoyin yarjejeniya na rarrabuwa, sarƙoƙin samar da kumburan tabbatarwa, iyakokin kwangilar wayo, da samfuran shugabancin cibiyar sadarwa ga zato marasa takardar shaida, na keɓe, ko na ƙungiya.

Wannan rashin daidaito muhimmin wurin gazawa ne. Banki na iya gudanar da aikace-aikace da aka tabbatar a cikin kwantena na giza-gizai mai tsaro, mai takardar shaida na ISO 27001, amma idan wannan kwantena ta rubuta zuwa littafi mai rarrabuwa mai sarrafawa na tsakiya na masu tabbatarwa, ma'aunan yarjejeniya masu rauni, ko kwangilolin wayo marasa bincike, mutuncin mu'amala ya lalace. Don haɗa wannan gibi, dole ne injin littafi da kansa ya zama abu na tabbaci da ake iya ba da takardar shaida.

02. Tushen daidaitawa na ISO/IEC TC 307

Aikin tushe da ake buƙata don daidaita littattafai masu rarrabuwa ana kafa shi ta Kwamitin Fasaha na ISO/IEC TC 307 (Fasahohin sarƙar bulokci da littafi mai rarrabuwa). Maimakon ɗaukar sarƙar bulokci a matsayin ka'idar fasaha da aka keɓe, TC 307 na kusanto shi a matsayin kayan aiki na amincewa na hukumomi, yana tsara aikinsa a kan manyan ginshiƙai biyar:

Rabe-raben iri da ƙamus (ISO 22739): yana kafa suna gama gari, yana tabbatar da ma'anoni na doka da na aiki masu daidaituwa tsakanin hukunce-hukunce, tsare-tsaren kuɗi, da cibiyoyi.
Gine-ginen tunani (ISO/TR 23245): yana bayyana iyakoki, sassa, kwararar bayanai, da abubuwan aiki na tsarin littafi mai rarrabuwa da ya dace.
Tsaro, sirri, da kwangilolin wayo (ISO/TR 23244 / ISO 23613): yana kafa jagororin tsaro na asali don tsarin dukiya na dijital kuma yana bayyana mafi kyawun ayyuka don rage raunin kwangilar wayo da shugabancin zagayowar rayuwa.
Tsarin haɗin kai: yana magance hanyoyin musanya bayanai da dukiya tsakanin cibiyoyin sadarwa na littattafai iri-iri, yana hana samuwar ɗakunan alama da aka keɓe.
Shaida mai rarrabuwa da abin ɗaure na amincewa: yana haɗa masu gano sirri da suka danganci littafi da kayan aiki na maɓalli na jama'a (PKI) na yau da kullum da rajistun da ƙasa ta ba da izini.

Gaba ɗaya, TC 307 na nuna sauyin DLT daga zaɓi na injiniya na keɓe zuwa horo na gine-gine da aka daidaita. Duk da haka, TC 307 ya kasance mafi yawa na kwatanci. Yana bayyana yadda kyawawan aiki suke kama (jagoranci), amma bai ba da ka'idar tabbatarwa ta umarni (tabbaci) ba wadda jami'an haɗari da masu kula ke buƙata don ba da izinin tura na samarwa na muhimman ayyuka ko masu muhimmanci (CIF).

03. Jagoranci da tabbaci: bambancin amana

Mahalarta kasuwar kuɗi ba sa tura fasaha domin ta kasance sabuwa ko kyakkyawa; suna tura ta lokacin da za a iya sarrafa ta, bincika ta, kāre ta, da daidaita ta da buƙatun ajiyar jari. Shi ya sa daidaitawa a bankin a zahiri ya rabu zuwa sassa biyu:

Jagoranci (tsarin): yana zayyana mafi kyawun ayyuka, manufofin tunani, da jagororin gine-gine (misali ISO/IEC TC 307, tsarin NIST).
Tabbaci (hujja): yana ba da shaida mai zaman kanta, mai ci gaba, kuma da ɓangare na uku ke iya tabbatarwa cewa an aiwatar da tsarin kuma yana aiki kamar yadda aka tsara (misali takardar shaida na ISO 27001, bincike-bincike na SOC 2, jarrabawa na tsari).

Dogaro ga yarjejeniya na littafi marar takardar shaida yayin ba da takardar shaida ga kayan aiki na giza-gizai gibin tsari ne mai muhimmanci. Sarƙar bulokci "marar canzawa" ba dole ba ce "abin dogaro ta hukumomi". Rashin canzawa yana tabbatar da cewa bayanan da aka shigar sun kasance ba tare da canzawa ba kawai; ba ya tabbatar da ko kumburan tabbatarwa suna da tsaro, ko ka'idar yarjejeniya na da juriya ga haɗin gwiwa, ko dabaru na kwangilar wayo daidai ne a lissafi, ko sarrafa maɓallin sirri yana bin umarni na bayan-ƙima.

Don rufe wannan gibi, Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na 2026 yana tsara waɗannan buƙatu zuwa Samfurin Balaga na Iyawa (CMM) da ake iya aunawa, wanda aka danganta ga ƙa'idodin banki na duniya.

04. Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na 2026

Don ba da damar babbar manaja su tantance kuma su ba da takardar shaida ga dandamalin littafi nasu, wannan ma'auni yana tsara kayan aiki na littafi mai rarrabuwa zuwa sassa biyar na aiki da ake iya bincika, waɗanda ake ba da maki a kan sikelin CMM daga 0 zuwa 5.

Tebur 1: gine-ginen Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida

Sashen ma'auni	Matakin balaga (CMM)	Ma'aunin fasaha da na aiki	Tunanin sarrafawa na tsari / amana
Shugabancin littafi	Mataki 0: ƙungiya ta lokaciMataki 3: bincike da juyawa na masu tabbatarwa ta atomatikMataki 5: ɗaure shaida ta sirri mai rarrabuwa, na ɓangarori da yawa	% na kumburan tabbatarwa da hukumomin kuɗi da aka bincika ke gudanarwa; matsakaicin lokacin warware jayayya na masu tabbatarwa; rarraba wurin kumbura	DORA Mataki 5 (Shugabanci da ƙungiya); CPMI-IOSCO PFMI Ƙa'ida 2 (Shugabanci) da Ƙa'ida 3 (Tsarin sarrafa haɗari mai cikakke)
Mutuncin yarjejeniya	Mataki 0: kumbura ɗaya ko PoW mara haskeMataki 3: BFT da aka bincika mai ƙarshe na tabbatacceMataki 5: yarjejeniya ta hukunce-hukunce da yawa, da aka tabbatar a hukumance, mai sa ido na jinkiri mai ci gaba	matsakaicin jinkirin yarjejeniya da za a iya jurewa; ƙofar juriya ga haɗin gwiwa; SLA na samuwa a raba kumbura da aka kwaikwaya	DORA Mataki 6 (Tsarin sarrafa haɗarin ICT); CPMI-IOSCO PFMI Ƙa'ida 8 (Ƙarshen sasantawa)
Shaida da sirri	Mataki 0: maɓallan RSA / ECDSA masu rauniMataki 3: sa hannu da yawa mai sarrafa maɓalli da HSM ke tallafawaMataki 5: maɓallan gauraye masu tsaro na ƙima (FIPS 203 ML-KEM) da ƙofofin sirri na sifili-ilimi	% na mu'amaloli na littafi da aka sa hannu da maɓallan da HSM ke tallafawa; makin shirye-shiryen ƙaura na PQC; jinkirin hujja na ZK	NIST FIPS 203 / 204; ISO/IEC 27001 (Sarrafa tsaron bayanai)
Tabbacin kwangilar wayo	Mataki 0: rubutun Solidity marasa bincikeMataki 3: tabbatarwa ta atomatik na mai tarawa da bincike na wajeMataki 5: kwangilolin wayo marasa canzawa, da aka tabbatar a hukumance, masu haɓaka na irin mai yanke wutar lantarki	% na kwangilolin wayo masu tabbatarwa na lissafi a hukumance; adadin gargaɗi na mai tarawa; ɗaukar bincike na rauni	Jagororin EBA game da fitar da aiki (sakin layi 81, 113-117); DORA Mataki 30 (Ƙananan sharuɗɗa na kwangila)
Bincike da lura	Mataki 0: tattara log da hannuMataki 3: alamun OTel masu tsari da kumburan mai bincike na karantawa kawaiMataki 5: daidaitawa ta atomatik, mai ci gaba da rajistar Mataki 8	% na mu'amaloli da alamun OpenTelemetry suka rufe; jinkiri daga aikata block zuwa daidaita kumburan mai bincike	BCBS 239 (Tara bayanan haɗari); DORA Mataki 8 (Rajistar bayanai / tsarin ITS)

Tebur 2: muhimman siginonin amincewa da aka danganta ga ƙa'idodin banki na duniya

Sigina / ma'auni	Ma'auni	Tasiri a kan dandamalin banki	Tushen tsari
Ci gaban ISO/IEC TC 307	Sauyawa daga rahotannin fasaha na ISO/TR zuwa tsare-tsaren takardar shaida na hukumance	Yana kafa tsari na farko da aka daidaita don ba da takardar shaida ga injunan littafi mai rarrabuwa	ISO/IEC JTC 1 / SC 44 (Fasahohin littafi mai rarrabuwa)
Matakin samfuri na Aikin Agorá	Bankuna na kasuwanci sama da 40 masu shiga; gwajin littafi guda ɗaya na ajiya masu alama	Yana kaura tsaftacewa na kan iyaka daga aikawa saƙo (SWIFT) zuwa sasantawa mai alama na atomatik	Cibiyar Ƙirƙira ta Bankin Sasantawa na Duniya (BIS)
Bincike na ɓangare na uku na DORA Mataki 30	An bincika kashi 100% na masu ba da kumbura da masu masaukin kayan aiki a kan ma'aunan tsaro	Yana kawar da "kumburan tabbatarwa na inuwa"; yana wajabta cikakken bayyanannen sarƙar samarwa	Hukumomin Kula na Turai (ESA)
ISO/IEC 42001 (shugabancin AI)	An sanya log na samfuri da horarwa na AI marasa canzawa ta sirri a kan sarƙa	Yana amfani da sarƙar bulokci a matsayin rajistar hujja marar canzawa ("ƙashin bayan bincike") don koyon na'ura	ISO/IEC 42001:2023 (Fasahar bayanai — Basirar wucin gadi)
Isasshen jari na Basel III	Rage matashin jari na haɗarin aiki bisa rage rikitarwa da aka rubuta	Tsarin haɗari na aiki da aka daidaita suna ba da lada kai tsaye ga juriya na littafi da aka tabbatar	Kwamitin Basel na Kula da Banki (BCBS)

05. "Ƙashin bayan bincike" na AI: basira ta yiyuwa a kan kayan aiki na tabbatacce

Ɗaya daga cikin manyan ayyuka na dabaru na sarƙar bulokci mai takardar shaida a 2026 shine aiki a matsayin "ƙashin bayan bincike" don tura na basirar wucin gadi. Tsarin kuɗi na zamani na ƙara zama na yiyuwa. Ba da maki na bashi, gano zamba na lokaci-lokaci, ciniki na algorithm, da mu'amaloli na abokin ciniki masu cin gashin kai suna gudana ta samfuran koyon na'ura da ke tasowa, kaucewa, da daidaituwa a kan lokaci. Waɗannan samfura ba tabbatattu ba ne: da shigarwa iri ɗaya a lokuta biyu daban-daban, za su iya samar da fitarwa daban-daban saboda nauyi masu motsi da horarwa mai ci gaba.

Wannan rashin tabbaci yana kawo babban ƙalubale na shugabanci a ƙarƙashin ISO/IEC 42001 (shugabancin AI) da ma'aunan sarrafa haɗarin samfuri (MRM) (kamar SR 11-7 na Babban Bankin Amurka da SS1/23 na PRA na Biritaniya): yaya za ka bincika, bayyana, da kāre yanke shawara da ba za a iya sake haifar da su ba daidai?

Littafi mai rarrabuwa mai takardar shaida yana ba da ma'auni na tabbatacce. Inda samfuran AI ke aiki na yiyuwa, sarƙar bulokci mai takardar shaida na rubuta ma'aunansu na tabbatacce, yana kafa ƙashin bayan hujja marar canzawa:

Nau'in samfuri da ɗaure nauyi: kowane nau'in samfuri da aka tura, nauyinsa masu alaƙa, da adadin dubawa na bayanan horarwa ana yin hash kuma ana rubuta su zuwa littafi a lokacin ginawa, suna biyan buƙatun sarƙar samarwa na SLSA Level 3.
Rubuta shigarwa na yanayi: lokacin da samfurin AI ke aiwatar da yanke shawara mai muhimmanci (misali amincewa da rance ko yiwa mu'amala alama), ana rubuta ainihin shigarwa na yanayi da hash na samfuri zuwa littafi, yana ƙirƙirar tarihi mai juriya ga gyara.
Iya bincike ba tare da damar shiga lambar ba: idan mai kula ya tambaya "me ya sa samfurinku ya ƙi wannan buƙatar bashi a ranar 3 ga Yuni?", banki ba ya buƙatar bayyana lambar mallakarsa ko yunƙurin sake ƙirƙirar ainihin yanayin samfuri. Yana gabatar da rikodin da aka sa hannu ta sirri a kan sarƙa na shigarwa, nauyi, da yanayin tabbatarwa.

Ta hanyar ɗaure yanke shawara na yiyuwa na samfuran koyon na'ura zuwa yarjejeniya ta tabbatacce na sarƙar bulokci mai takardar shaida, cibiyar tana ƙirƙirar lokacin ayyuka na atomatik da za a iya kāre, sake ginawa, da tabbatarwa da kansa.

06. Nuna madaidaicin bututun tabbatarwa daga yarjejeniya zuwa bincike

Zanen jerin da ke gaba yana nuna zagayowar rayuwar mu'amala da ke ratsa dandamalin sarƙar bulokci mai takardar shaida, yana nuna yadda ƙofofin tabbatarwa, mutuncin yarjejeniya, aiwatar da kwangilar wayo, da fitar da telemetry ke haɗuwa don samar da hujja ta tsari a shirye don hukumar gudanarwa:

sequenceDiagram
    autonumber
    actor Client as Bank Client / Gateway
    participant Node as Certified Validator Node
    participant Contract as Formally Verified Smart Contract
    participant Engine as Consensus Engine (BFT)
    participant Auditor as Regulator / Auditor Node
    participant Telemetry as OpenTelemetry Pipeline
    Note over Client,Node: Phase 1 — Cryptographic ingress & identity
    Client->>Node: Submit transaction (signed with HSM-backed key)
    Node->>Node: Validate signature against TC 307 decentralised identity
    Note over Node,Contract: Phase 2 — Formally verified execution
    Node->>Contract: Invoke transaction logic
    Contract->>Contract: Execute within formally verified parameters (CMM Level 5)
    Note over Contract,Engine: Phase 3 — Deterministic consensus finality
    Contract->>Engine: Commit state change
    Engine->>Engine: Resolve Byzantine Fault Tolerance (BFT) consensus
    Engine->>Engine: Commit block to ledger spine
    Note over Engine,Telemetry: Phase 4 — Observability & compliance emission
    Engine-->>Auditor: Sync block state (real-time read-only auditor node)
    Engine-->>Telemetry: Emit OpenTelemetry traces (latency, state, validation status)
    Telemetry->>Telemetry: Record evidence to DORA Article 8 Register of Information

Muhimmiyar hanya na wannan jerin mu'amala tana buƙatar cewa kowane matakin tabbatarwa, aiwatarwa, da yarjejeniya an sa hannu ta sirri, yana tabbatar da asali daga ƙarshe zuwa ƙarshe. Kumburan mai bincike na mai kula yana daidaita yanayin block na lokaci-lokaci, yana kawar da buƙatar daidaita kuɗi ta baya-baya, ta hannu.

07. Littafin wasa na hukumar gudanarwa don manyan manajoji

Don yin nasarar tafiyar da sauyi daga amincewa na ƙungiya zuwa amincewa na kayan aiki, shugabannin banki da manyan manajoji su aiwatar da umarni huɗu masu muhimmanci nan take:

Wajabta bincike na littafi a sarrafa haɗari na kamfani (ERM): aiwatar da manufa cewa babu dandamalin littafi mai rarrabuwa — na sirri, na jama'a, ko na ƙungiya — da za a iya tura don muhimman ayyuka ko masu muhimmanci (CIF) ba tare da an bincika shi a kan gine-ginen Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na sassa biyar ba (mafi ƙanƙanci CMM Mataki 3).
Haɗa sarƙoƙin bulokci a matsayin ƙashin bayan hujja na AI na ISO 42001: umarci Babban Jami'in Haɗari da babban Injiniyan AI su haɗa duk samfuran koyon na'ura masu tasiri sosai da sarƙar bulokci mai takardar shaida, suna ƙirƙirar rajistar bincike mai juriya ga gyara na nau'ikan samfuri, nauyi, shigarwa, da yanke shawara.
Bincika sarƙar samar da kumburan tabbatarwa (DORA Mataki 30): buƙaci sashen saye ya bincika duk ɓangarori na uku da ke masaukin kumburan tabbatarwa ko sarrafa masaukin giza-gizai don cibiyoyin sadarwa na DLT, yana wajabta ma'aunan tsaro na yanar gizo da juriya na aiki iri ɗaya da aka yi amfani da su ga kumburan giza-gizai na cikin banki.
Daidaita gine-ginen littafi da CPMI-IOSCO da BCBS 239: umarci ƙungiyar injiniya na dandamali su daidaita telemetry na fitarwa na littafi kai tsaye da buƙatun rahoton bayanai na BCBS 239, kuma su tabbatar cewa ma'aunan yarjejeniya da ƙarshen sasantawa suna bin Ƙa'idodi 8 da 9 na CPMI-IOSCO sosai.

08. Tambayoyi da ake yawan yi

Shin ISO/IEC TC 307 ma'auni ne na takardar shaida?
A'a. ISO/IEC TC 307 kwamiti ne na fasaha da ke kafa ƙamus, gine-ginen tunani, da jagororin tsaro. Ko da yake yana bayyana "yadda kyawawan aiki suke kama" (jagoranci), masana'antu dole su sanya waɗannan takardu su yi aiki zuwa tsare-tsaren takardar shaida na hukumance da ake iya bincika (tabbaci) don gamsar da masu kula na banki.

Yaya sarƙar bulokci mai takardar shaida ke tallafawa bin DORA?
A ƙarƙashin Mataki na 5 na DORA, hukumomin banki suna ɗaukar alhakin mutum kai tsaye game da juriya ta fasaha. Sarƙar bulokci mai takardar shaida na ba da hujja ta sirri da za a iya tabbatarwa game da mutuncin yarjejeniya, sarrafa sarƙar samar da masu tabbatarwa, da tsaron kwangilar wayo, yana ba wa membobin hukumar "matakai masu ma'ana" da za a iya rubuta da ake buƙata don kāre kai daga da'awar alhakin mutum a ƙarƙashin SM&CR.

Menene bambanci tsakanin bincike na littafi na gargajiya da bincike na sarƙar bulokci mai takardar shaida?
Bincike na gargajiya na baya-baya ne: yana tabbatar da shigarwa ta hannu da fayilolin tsaye bayan an sasanta mu'amaloli. Bincike na sarƙar bulokci mai takardar shaida mai ci gaba ne kuma na lokaci-lokaci; kumburan tabbatarwa, injin yarjejeniya na BFT, da kwangilolin wayo da aka tabbatar a hukumance an ba su takardar shaida don aiwatar da mu'amaloli na tabbatacce, suna fitar da telemetry mai tsari (OpenTelemetry) da ke tabbatar da lafiyar tsarin ci gaba.

Shin za a iya ba da takardar shaida ga sarƙoƙin bulokci na jama'a don amfani na banki?
A mafi yawan hukunce-hukunce, sarƙoƙin bulokci na jama'a marasa izini kawai suna gaza gamsar da ƙa'idodin banki saboda rashin tabbatar da shaida na masu tabbatarwa, kudaden mu'amala da ba za a iya hasashe ba, da ƙarshe mara tabbaci (misali cokali masu yiyuwa na proof-of-work/stake). Sarƙoƙin bulokci masu takardar shaida a banki galibi suna amfani da gine-gine na kamfani masu izini ko gine-gine na jama'a-gauraye masu tsauri, inda masu gudanar da kumburan tabbatarwa hukumomin kuɗi ne da aka gano kuma aka bincika.

09. Manazarta

Kwamitin Basel na Kula da Banki (BCBS), 2013. Principles for effective risk data aggregation and reporting (BCBS 239). Basel: Bankin Sasantawa na Duniya. Ana samu a: https://www.bis.org/publ/bcbs239.pdf.
Committee on Payments and Market Infrastructures da Technical Committee of the International Organization of Securities Commissions (CPMI-IOSCO), 2012. Principles for financial market infrastructures. Basel: Bankin Sasantawa na Duniya. Ana samu a: https://www.bis.org/cpmi/publ/d101a.pdf.
Hukumar Banki ta Turai (EBA), 2019. EBA/GL/2019/02 — Guidelines on outsourcing arrangements. Paris: EBA. Ana samu a: https://www.eba.europa.eu/regulation-and-policy/internal-governance/guidelines-on-outsourcing-arrangements.
Majalisar Turai da Majalisar Ƙungiyar Turai, 2022. Dokar (EU) 2022/2554 game da juriya ta aiki na dijital don ɓangaren kuɗi (DORA). Brussels: Jaridar Hukuma ta Ƙungiyar Turai. Ana samu a: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022R2554.
ISO/IEC JTC 1/SC 42, 2023. ISO/IEC 42001:2023 — Information technology — Artificial intelligence — Management system. Geneva: Ƙungiyar Ƙasa da Ƙasa don Daidaitawa. Ana samu a: https://www.iso.org/standard/81230.html.
Kwamitin Fasaha na ISO/IEC 307, 2020. ISO/IEC 22739:2020 — Blockchain and distributed ledger technologies — Vocabulary. Geneva: Ƙungiyar Ƙasa da Ƙasa don Daidaitawa. Ana samu a: https://www.iso.org/standard/73771.html.
National Institute of Standards and Technology (NIST), 2026. First Three Finalized Post-Quantum Encryption Standards (FIPS 203, 204, and 205). Gaithersburg: U.S. Department of Commerce. Ana samu a: https://www.nist.gov/news-events/news/2024/08/nist-releases-first-3-finalized-post-quantum-encryption-standards.

Bita ta ƙarshe 2026-07-06.

Sake buga wannan labari

Ma’aunin Agentic AI ga Bankuna a 2026: Auna Autonomy — Sebastien Rousseau

Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na 2026 yana ba bankuna Samfurin Balaga na Iyawa mai matakai biyar don ba da takardar shaida ga shugabancin littafi mai rarrabuwa, mutuncin yarjejeniya, sirri, tabbacin kwangilar wayo, da lura na bincike a kan DORA, PFMI na CPMI-IOSCO, ISO/IEC TC 307, ISO 42001, da Basel III.

An lasisin wannan labari a karkashin Creative Commons Attribution 4.0 International. Sake bugawa na bukatar nuna asalin URL na asali.

Ma’aunin Agentic AI ga Bankuna a 2026: Auna Autonomy — Sebastien Rousseau

Ma'aunin Sarƙoƙin Bulokci Masu Takardar Shaida na 2026 yana ba bankuna Samfurin Balaga na Iyawa mai matakai biyar don ba da takardar shaida ga shugabancin littafi mai rarrabuwa, mutuncin yarjejeniya, sirri, tabbacin kwangilar wayo, da lura na bincike a kan DORA, PFMI na CPMI-IOSCO, ISO/IEC TC 307, ISO 42001, da Basel III.

Originally published at https://sebastienrousseau.com/ha/2026-07-02-certified-blockchains-banking-trust-tc307-assurance-2026/ by Sebastien Rousseau.
Licensed under CC-BY-4.0.

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Ma’aunin Agentic AI ga Bankuna a 2026: Auna Autonomy