Hangen Nesa na Biyan Kuɗi na Duniya na 2026: Tsarin Aiki, Haɗari, da Kuɗin Shiga a Duniya Mai Agentic, Marar Ganuwa, da Ta Lokaci-lokaci

TL;DR. Ra'ayin tsarin aiki na G-SIB kan biyan kuɗi na 2026: alhakin agentic, ruwan kuɗi mai aiki koyaushe a ƙarƙashin DORA, ledger haɗaɗɗe na tokenised da ƙarshen adireshin SWIFT na Nuwamba 2026.

Mahimman Bayanai

Haɗuwar Hukumomin Biyan Kuɗi na Duniya. Don tsara hanyar wannan sauyi na tsari, wannan rahoto ya haɗa hangen nesa na biyan kuɗi da kasuwanci na 2026 da manyan jagororin masana'antu huɗu masu iko suka buga: J.P.
Ginshiƙi na 1: Kasuwancin Agentic da Biyan Kuɗi Marar Ganuwa. Kasuwancin agentic yana wakiltar sauyi daga tsarin biyan kuɗi na dijital wanda mutum ke jagoranta, wanda ake danna don siyayya, zuwa fara ma'amala mai cin gashin kai, wanda model ke jagoranta.
Ginshiƙi na 2: Canjin Baitulmali da Sake Tunanin Ruwan Kuɗi. Saurin bankin ma'amala a 2026 ana motsa shi ta sauyi daga sarrafa ƙungiya na ƙarshen rana na tsofaffi zuwa ayyukan baitulmali na lokaci-lokaci masu aiki koyaushe.
Ginshiƙi na 3: Ajiyar Tokenised da Ledger Haɗaɗɗe. Tokenisation ya haɓaka daga gwaje-gwajen blockchain na keɓe, na tabbatar-da-manufa zuwa tsarin kuɗi mai girma, na matakin banki.

Biyan kuɗi ya ƙaura daga zama kayan aikin gudanarwa zuwa zama ainihin dabarun fasaha na banki. A shekarar 2026 tsarin aiki na biyan kuɗi na duniya ana bayyana shi ta hanyar ƙarfi uku masu haɗuwa, kasuwancin agentic, kwararar da aka saka marar ganuwa da aiwatarwa ta lokaci-lokaci, kuma kowanne yana sake fasalta inda bankin ma'amala ke ɗaukar haɗari da samun kuɗin shiga. Wannan rahoto ya haɗa hangen nesa na 2026 na J.P. Morgan Payments, Global Payments, HSBC da The Payments Association zuwa ra'ayi guda ɗaya na tsarin aiki: yadda shugabannin G-SIB da na yanki, shugabannin baitulmali da masu tsara doka dole su bi ta kasuwancin da model ke fara shi, ruwan kuɗi mai aiki koyaushe a ƙarƙashin DORA, ledger haɗaɗɗe na tokenised a ƙarƙashin BIS Project Agorá, da ƙarshen adireshi mai tsari na SWIFT na Nuwamba 2026 mai ƙayyadadden kwanan wata.

Taƙaitawar Zartarwa

Biyan kuɗi yanzu shine ainihin tsarin aiki, ba kayan aiki ba. Zagayen 2026 zuwa 2028 taga ne na tsari: fasaha, tsara doka da tsammanin abokin ciniki sun haɗu zuwa jirgin aiki guda ɗaya, kuma tsarin biyan kuɗi na zamani shine tushen dabarun fasaha na matakin banki.

Kwararar agentic, marar ganuwa da ta lokaci-lokaci kowanne yana motsa haɗari daban. Kasuwancin agentic yana canja alhaki da sarrafa haɗarin model; biyan kuɗin da aka saka marar ganuwa yana barazanar cire matsakanci; aiwatarwa ta lokaci-lokaci tana gaggauta saurin jari kuma tana sake rubuta ruwan kuɗi, bashi da sarrafa zamba.

Ginshiƙai huɗu suna ɗauke da kasafin jari da fasaha. Ƙofofin API na agentic masu iyakance iko, Treasury-as-a-Service mai aiki koyaushe a ƙarƙashin DORA, ajiyar tokenised a kan ledger haɗaɗɗe, da kariyar zamba ta bayanai masu tsari sune inda shawarwarin rabon ke ƙayyade yanayin gasa na bankin ma'amala.

Agogon bin ka'ida shine ƙarfin tilastawa. Ƙarshen adireshi mai tsari na 14 Nuwamba 2026 mataki ne marar nadama; kariyar agentic da tokenisation sune zaɓuɓɓukan dabaru da aka lulluɓe a saman a cikin taswirar hanya mai sararin uku.

Ga bankunan ma'amala na duniya, zagayen 2026–2028 yana wakiltar taga na tsari mai muhimmanci. Tsarin biyan kuɗi na zamani ba ya nan kayan aikin gudanarwa kaɗai; shine ainihin tushen dabarun fasaha na matakin banki. Masu yanke shawara a cikin G-SIBs da manyan cibiyoyin kuɗi na yanki suna fuskantar yanayi mai matuƙar rikitarwa inda fasaha, tsara doka, da tsammanin abokin ciniki suka haɗu zuwa jirgin aiki guda ɗaya.

Ƙarfi uku na tsari da ke motsa wannan zagaye, kwararar biyan kuɗi ta agentic, marar ganuwa, da ta lokaci-lokaci, suna da alaƙa kai tsaye da manyan damuwar ɗakin zartarwa:

Kasuwancin Agentic: Yana shafar rarraba tashoshi, ƙirar samfur, ba da alhaki, da Sarrafa Haɗarin Model (MRM) a ƙarƙashin binciken kula.
Biyan Kuɗi Marar Ganuwa: Yana sake fasalta gogewar abokin ciniki, yana barazanar cire matsakanci idan bankuna suka kasa saka ledger ɗinsu kai tsaye a cikin gaban kamfanoni da 'yan kasuwa.
Aiwatarwa ta Lokaci-lokaci: Yana gaggauta saurin jari, yana canja sarrafa ruwan kuɗi, haɗarin bashi, juriyar aiki, da kariyar zamba a asali.

Illolin kuɗi da na aiki na wannan sauyi suna da yawa. Yayin da dabarun zamba ke haɓaka cikin sauri da ƙwarewa, kuma tsarin tsara doka ke tilasta kwanakin bin ka'ida masu tsauri, bankunan ma'amala da ke sabunta ainihin tsarinsu da wuri za su iya buɗe manyan damar kuɗin shiga na kuɗin sabis. A ɗaya hannun, farashin rashin aiki ana nuna shi ta ƙin ma'amala nan take, matsalolin aiki, hukuncin tsara doka, da saurin lalacewar rabon kasuwa.

Haɗuwar Hukumomin Biyan Kuɗi na Duniya

Don tsara hanyar wannan sauyi na tsari, wannan rahoto ya haɗa hangen nesa na biyan kuɗi da kasuwanci na 2026 da manyan jagororin masana'antu huɗu masu iko suka buga: J.P. Morgan Payments, Global Payments, HSBC, da The Payments Association.

Yayin da kowace ƙungiya ke fuskantar tsarin biyan kuɗi daga wani mahangar kasuwa daban, sakamakonsu ya haɗu a kan gaskiyar masana'antu uku marasa canzawa:

Layukan da ke tafiya nan take, wanda API ke jagoranta sune tushe. Ana kore tsofaffin samfuran sarrafa ƙungiya cikin sauri don kwararar ƙasa-da-ƙasa da mai daraja mai girma; saurin ma'amala don waɗannan sassan ana ƙara ƙayyade shi ta saƙon lokaci-lokaci mai aiki koyaushe.
AI yana aiki a matsayin babban hanyar barazana da kuma ainihin tsarin kariya. Kayan aikin janareti da deepfakes suna haɓaka zamban ma'amala, wanda ke buƙatar kariyar koyon na'ura mai yawa-yawa ta lokaci-lokaci.
Tokenisation yana sauya zuwa tsari mai shirye don samarwa. Ledgers suna haɗuwa don tallafa wa haɗakar alhakin kasuwanci na tokenised da kuɗin dijital na babban banki (CBDCs) don biyan babbar kasuwa.

Rahoto	Babban Masu Sauraro	Mayar da Hankali	Muhimmin Ginshiƙi	Illar Banki
J.P. Morgan Payments	Ma'aikatan baitulmali na kamfani, G-SIBs	Ruwan kuɗi na lokaci-lokaci, zamba	APIs, biometrics na AI	Sake gina tsarin ruwan kuɗi, FX, da haɗari don biyan kuɗi mai ci gaba na kwana 365.
Global Payments	'Yan kasuwa, E-Commerce	Juyin Halittar Point-of-Sale (POS), Omnichannel	Kasuwancin Agentic, Biyan Kuɗi Mara Rikici	Gina hanyoyin biyan kuɗi na 'yan kasuwa masu aminci, masu ƙofar API don wakilan AI masu cin gashin kansu.
HSBC Insights	Kamfanoni na Ƙasa da Ƙasa	Haɗin ERP (SAP/Oracle), Kuɗi na Lokaci-lokaci	Treasury-as-a-Service, Ganin Kuɗi	Samun kuɗi daga tarin API na ma'amala da saka rahoton ledger na kuɗi na lokaci-lokaci a tushe.
The Payments Association	Fintechs, Cibiyoyin Biyan Kuɗi	Stablecoins, Tokenisation, Tsara Doka ta Duniya	Kadarorin Dijital da Aka Tsara, Bin Manufa	Shirya ma'auni don ajiyar tokenised da bi ta tsarin alhakin PSD3/PSR.

Waɗannan mahanga kuma suna zaune a cikin ajandar sashen jama'a mafi girma. A ƙarƙashin Taswirar Hanya ta G20 don Haɓaka Biyan Kuɗi na Ƙasa-da-Ƙasa, Hukumar Kula da Kwanciyar Kuɗi ta ƙaddamar da wani sabon sarari na aiwatarwa da ke dogara a fili kan haɗin gwiwa mai kusanci tsakanin jama'a da kamfanoni don isar da kwararar ƙasa-da-ƙasa mai sauri, mafi arha da mafi bayyanuwa. Hangen nesa huɗu daga J.P. Morgan, Global Payments, HSBC da The Payments Association a zahiri suna bayyana tsarin aiki na sashen kamfani da zai gudana a saman wannan tsarin manufa, suna fassara manufofin G20 zuwa shawarwari na zahiri kan ruwan kuɗi, tokenisation, bayanai da sarrafa zamba a cikin bankuna.

Waɗannan hukumomi tare suna nuna cewa nasarar aiwatar da banki a zagayen 2026–2028 na buƙatar hanyar da aka haɗa, mai fanni da yawa. Kowanne daga cikin ginshiƙai huɗu da aka tattauna a ƙasa yana wakiltar rabon jari, kasafin fasaha, da mayar da hankali kan sarrafa haɗari da zai ƙayyade yanayin gasa na bankin ma'amala na shekaru goma masu zuwa.

Ginshiƙi na 1: Kasuwancin Agentic da Biyan Kuɗi Marar Ganuwa

Kasuwancin agentic yana wakiltar sauyi daga tsarin biyan kuɗi na dijital wanda mutum ke jagoranta, wanda ake danna don siyayya, zuwa fara ma'amala mai cin gashin kai, wanda model ke jagoranta. Hasashen masana'antu na nuna cewa wakilan AI masu cin gashin kansu za su iya sasanta kimanin $3–$5 tiriliyan na kasuwanci na shekara nan da 2030, wanda ke nuni da ƙaramin adadin ƙashi ɗaya na juzu'in biyan kuɗi na duniya da ake yi ba tare da mutum ya danna maɓallin 'siya' a fili ba.

Wannan sauyi yana haifar da babban rata a cikin tsarin sayarwa da kasuwanci. Yayin da rinjaye a fili na masu amfani yanzu ke tsammanin biyan kuɗi kusan mara rikici, ƙasa da rabin 'yan kasuwa sun ba da fifiko sosai ga biyan kuɗi da danna sau ɗaya ko kundin samfur da API ke iya samun dama a cikin taswirar hanyoyinsu. Wakilan AI ba za su iya kewaya rikitattun allon biyan kuɗi na tsofaffi masu shafuka da yawa da aka tsara don idon mutum ba; suna buƙatar musanya API tsafta, masu tsari, na na'ura-zuwa-na'ura.

Fifikon Banki da Illolin Aiki

Ga bankunan ma'amala, kasuwancin agentic yana gabatar da sabon tsari na haɗari da la'akari na aiki gaba ɗaya:

Mallakar KYC da AML: Bankuna dole su ayyana wanda ke riƙe da alhakin bin ka'ida a cikin sarƙar ma'amala ta agentic. Idan wakilin AI na sirri na mai amfani ya fara ma'amala ta hanyar biyan kuɗi na agentic na ɗan kasuwa, banki dole ya iya tabbatar da cewa ikon da aka wakilta na asali yana da ɗaure ta hanyar cryptography ga ainihin mai asusu, yana tabbatar da bin dokokin yaƙi da satar kuɗi (AML) da san-abokin-cinikinka (KYC).
Sake Ƙirar Alhaki da Chargeback: Tsofaffin tsarin katunan da layukan biyan kuɗi na Account-to-Account (A2A) suna dogara ne kan tsarin sasanci da aka tsara don izinin mutum. Lokacin da wakilin AI ya yi siyayya mara kyau ko kuskure, kamar sayen kayan masana'antu ba daidai ba saboda kuskuren fassara bayanai, bankuna dole su kafa iyakoki na doka da aiki bayyanannu don rabon alhaki tsakanin mai amfani, mai samar da wakilin, da ɗan kasuwa.
Ba da Matsayin Haɗari ga Kwararar Agentic: Injunan tura biyan kuɗi dole su ba da matsayin haɗari ga biyan kuɗi na agentic cikin ƙarfi, suna ba da buƙatun ajiya mafi girma ko farashin musanya ga ma'amaloli marasa fara-da-mutum har sai an kafa tarihin kwanciyar hankali na biyan kuɗi.

Samfuran Aiki Mai Iyaka da Iko Mai Iyaka

Don rage haɗarin tsari na "aiki mara iyaka" (misali, wakilin sayo na kamfani da ke aiwatar da madaidaitan siyayya marasa iyaka saboda kuskuren software), bankuna dole su tura ƙofofin API masu iyakance iko. Waɗannan ƙofofi suna ƙuntata aiwatar da wakili ta iyakoki masu fuskoki da yawa, waɗanda manufa ke tilastawa:

Iyakoki na Kuɗi Masu Matakai: Ƙuntata kashe kuɗin wakili ta girman ma'amala, jimlar darajar yau da kullum, ko rukunin 'yan kasuwa.
Kariyar da ke Sane da Mahallin: Kimanta sigina na biyu kamar lokacin rana, wurin geo na IP, da yawan ma'amala kafin sakin kuɗin ledger.
Haɓaka Mutum-a-cikin-Zagaye (HITL): Haifar da buƙatar izini na mutum na tilas ta Tabbatar da Abokin Ciniki Mai Ƙarfi (SCA) a ƙarƙashin dokokin PSD3/PSR duk lokacin da ma'amala ta wuce iyakokin haɗari da aka ƙayyade.

Zane mai zuwa na jerin Mermaid yana nuna kwararar biyan kuɗi na agentic mai aminci, mai iyakance iko wanda bankuna da yawa za su gane a matsayin tsarin da aka nufa.

sequenceDiagram
    autonumber
    actor User as Treasurer / Customer
    participant Agent as Autonomous AI Agent
    participant BankAPI as Bank API Gateway (MCP Server)
    participant Policy as OPA Policy Engine
    participant Ledger as Core Banking Ledger
    User->>Agent: Provisions Bounded Authority (Spend limit $5k, Vendor Category: Cloud Services)
    Agent->>BankAPI: Requests Payment Initiation (signed token, credentials)
    Note over BankAPI: Active-active cloud gateways check credentials
    BankAPI->>Policy: Forwards Request for Compliance Evaluation
    Note over Policy: Evaluates: Spending limit < $5k?<br/>Geographic IP valid?<br/>Is recipient in approved whitelist?
    alt Policy Evaluation Passes
        Policy-->>BankAPI: Policy Validated (Approved)
        BankAPI->>Ledger: Instructs instant A2A settlement via FedNow/SEPA Inst
        Ledger-->>BankAPI: Settlement Confirmed (Transaction ID)
        BankAPI-->>Agent: Dispatches Payment Confirmation (XML pain.002)
    else Policy Evaluation Fails (Risk Limit Exceeded)
        Policy-->>BankAPI: Risk Threshold Breached (Trigger SCA Escalation)
        BankAPI->>User: Initiates Strong Customer Authentication (FIDO2 Passkey challenge)
        User-->>BankAPI: SCA Signature Verified
        BankAPI->>Ledger: Instructs instant A2A settlement
        Ledger-->>BankAPI: Settlement Confirmed
        BankAPI-->>Agent: Dispatches Payment Confirmation
    end

Matsayin Model Context Protocol (MCP)

Don haɗa model na AI na gida zuwa sassan aiwatarwa da banki ke gudanarwa, masana'antu suna daidaita kansu a kusa da Model Context Protocol (MCP), wata ka'ida a buɗe da ke bar LLMs su kira kayan aiki da API masu iyaka bayyananne, masu iya bincike ba tare da samun dama kai tsaye ga ainihin tsarin ba, don haka bankuna su iya sarrafa yadda model ke fara biyan kuɗi ko tambayoyi cikin tsanani.

Ta hanyar lulluɓe API na banki (kamar fara biyan kuɗi ko tambayoyin ma'auni) a cikin uwar garken MCP, bankuna za su iya tabbatar da cewa LLMs ba su da dama kai tsaye, ba a sarrafa ba ga tebur na database ko sarrafa tushe na tsari. A maimakon haka, model kawai zai iya hulɗa da ledger ta hanyar ƙarshen API masu tsari sosai, waɗanda aka bincika, kuma masu iyakance adadi, yana tabbatar da cikakken tsaro a iyakar aiwatar da kayan aikin agentic.

Ginshiƙi na 2: Canjin Baitulmali da Sake Tunanin Ruwan Kuɗi

Saurin bankin ma'amala a 2026 ana motsa shi ta sauyi daga sarrafa ƙungiya na ƙarshen rana na tsofaffi zuwa ayyukan baitulmali na lokaci-lokaci masu aiki koyaushe. Kamfanoni na ƙasa da ƙasa ba su ƙara jure "kuɗin da ya makale", ruwan kuɗi da ke zaune a banza a cikin asusun gida a ƙarshen mako ko hutu saboda rufe tsarin biyan kuɗi.

Hujjar Tattalin Arziki na Ruwan Kuɗi na Lokaci-lokaci

J.P. Morgan da HSBC duk sun nuna cewa kamfanoni masu ci gaba, masu iyawar kuɗi da bayanai na lokaci-lokaci suna da yiwuwar wuce takwarorinsu sosai kan haɓakar kuɗin shiga da ƙwarewar jari, galibi ta hanyar rage ruwan kuɗi da ya makale da inganta zagayen jari-aiki.

Don kama wannan daraja, bankuna suna isar da samfuran API na Treasury-as-a-Service (TaaS), suna bar tsarin Tsara Albarkatun Kamfani (ERP) na kamfani (kamar SAP da Oracle) su haɗa kai tsaye zuwa ledger na banki:

API na Ma'auni na Lokaci-lokaci (ta amfani da tsarin camt.052): Yana maye gurbin ka'idodin canja fayil da rahoton matsayin kuɗi nan take, wanda abu ke jagoranta.
API na Fara Biyan Kuɗi na Yawa (ta amfani da tsarin pain.001): Yana ba da damar aiwatar da ƙungiyoyin biyan kuɗi na masu samarwa kai tsaye, mai wucewa-kai-tsaye daga ledger na ERP.
API na FX na Ci gaba: Yana bar injunan baitulmali su ƙulla farashin musanyar kuɗi na waje na lokaci-lokaci, na algorithm don biyan kuɗi na ƙasa-da-ƙasa, yana kawar da haɗarin ratar kasuwa na dare.
API na Asusu na Kama-da-Wane: Yana bar kamfanoni su ƙirƙira da yin ritaya na dubban ƙananan asusu cikin ƙarfi don daidaita kuɗin da za a karɓa nan take ta atomatik da rabewar ledger.

Juriyar Aiki da Illolin DORA

Ga bankunan ma'amala, ba da ayyukan ruwan kuɗi masu aiki koyaushe yana canja bayanin haɗari na ainihin tsarin banki. Dandali masu aiki koyaushe dole su ci gaba da samuwar aiki na kashi 99.999% yayin da suke fuskantar nauyin ma'amala na lokaci-lokaci mai ci gaba.

A ƙarƙashin Dokar Juriyar Aiki ta Dijital (DORA), wannan ba wai burin aikin IT ba ne kawai, buƙatar bin ka'ida ta tsara doka ce mai tsauri. Masu tsara doka suna tsammanin bankuna su tabbatar da cewa API na baitulmali na lokaci-lokaci da database na ledger na iya ɗaukar hare-haren yanar gizo masu tsanani amma masu yiwuwa, ɓarnar hanyar sadarwa, da tarnaƙin hyperscaler ba tare da katse muhimman biyan kuɗi ko lalata ruwan kuɗi na tsari ba. Wannan yana buƙatar shugabannin bankin ma'amala su saka jari sosai a cikin tsarin database na gajimare da yawa masu maimaici ta yanki, masu aiki-aiki, sassan gano barazana na lokaci-lokaci, da tsarin canja aiki na atomatik.

FX na Ci gaba da Sabuntawa ta Ƙasa-da-Ƙasa

Baitulmali na lokaci-lokaci ba zai iya aiki a cikin iyakar kuɗi ɗaya ba. Don tallafa wa kwararar kamfani na duniya, G-SIBs suna tura tsarin FX na ci gaba, kamar dandalin Wire 365 na J.P. Morgan, wanda ke bar abokan ciniki masu cancanta su sarrafa biyan kuɗi na ƙasa-da-ƙasa da canje-canjen FX kowace rana ta shekara, gami da ƙarshen mako da hutu, fiye da lokutan aiki na Central Bank Real-Time Gross Settlement (RTGS) na gargajiya. Wannan tsari yana haɗuwa kai tsaye da tsarin ajiya na tokenised da ledger haɗaɗɗe da aka tattauna a Ginshiƙi na 3.

Ginshiƙi na 3: Ajiyar Tokenised da Ledger Haɗaɗɗe

Tokenisation ya haɓaka daga gwaje-gwajen blockchain na keɓe, na tabbatar-da-manufa zuwa tsarin kuɗi mai girma, na matakin banki. An canja mayar da hankali daga stablecoins na sirri da kadarorin crypto na hasashe zuwa ajiyar bankin kasuwanci na tokenised da Kuɗin Dijital na Babban Banki na manyan kasuwanci (wCBDCs) da ke aiki a kan ledger haɗaɗɗe masu iya shirye-shirye.

Tsarin tunani na wannan tsarin kuɗi na tsara na gaba shine Project Agorá, babbar haɗin gwiwar jama'a-da-kamfani da Bankin Biya na Ƙasa-da-Ƙasa (BIS) da Cibiyar Kuɗi ta Ƙasa-da-Ƙasa (IIF) suka kira, wanda ya haɗa da manyan bankuna bakwai da fiye da cibiyoyin kuɗi na sirri 40. Project Agorá: Wani aikin ƙasa-da-ƙasa da ke bincika yadda za a iya haɗa ajiyar bankin kasuwanci na tokenised cikin santsi da Kuɗin Dijital na Babban Banki na manyan kasuwanci na tokenised (wCBDCs) a kan ledger haɗaɗɗe da aka raba, mai iya shiryawa don kawar da rikicin biyan kuɗi na ƙasa-da-ƙasa, daidaita binciken bin ka'ida, da ba da damar kammala ma'amala na atomic na 24/7 don biyan kuɗi na ƙasa-da-ƙasa.

Tafiyar Tokenisation Mai Matakai Biyar

Ga G-SIBs da manyan bankunan ma'amala na yanki, aiwatar da tokenisation tafiya ce mai tsari sosai, mai matakai da ke motsa daga inganta na ciki zuwa haɗin kai na kasuwar buɗe:

Ruwan Kuɗi na Baitulmali na Ciki: Tokenising ma'aunin kuɗi na kamfani na ciki (misali, JPM Coin ko ledger na bankin sirri masu daidai) don ba da damar canja wuri na ƙasa-da-ƙasa nan take, na 24/7 da netting a rassan banki na kansa.
Hanyoyin Banki-da-yawa Masu Iyaka: Shiga cikin ƙungiyoyi a rufe, da aka tsara (kamar sandbox na Project Agorá) don gwada biyan kuɗi tsakanin bankuna da matsayin ledger da aka raba a cibiyoyi daban-daban.
FX Mai Iya Shirye-shirye na Ci gaba: Amfani da kwangiloli masu wayo a kan ledger haɗaɗɗe don aiwatar da ma'amaloli na musanyar kuɗi na waje na Payment-versus-Payment (PvP) nan take, na atomatik, yana kawar da haɗarin biyan kuɗi a duk yankunan lokaci.
Kadarori na Duniya na Gaske na Tokenised (RWAs): Haɗa ƙafar kuɗi na tokenised da ledger na tsaro, bashi, ko kasuwanci na tokenised don ba da damar kammala Delivery-versus-Payment (DvP) nan take, yana rage kulle jari daga kwanaki zuwa milliseconds.
Haɗin Kai na Jama'a/da Aka Tsara: Kafa lulluɓen ƙofa masu aminci, da aka tsara don bar ruwan kuɗi na cibiyoyi ya yi hulɗa cikin aminci da hanyoyin sadarwa na jama'a masu buɗe, marasa tsakiya.

Illolin Kula da Tsari da na Ma'auni

Sauyi zuwa kuɗi na tokenised na buƙatar kewaya tsarin banki masu kula da tsari cikin taka-tsantsan. Masu tsara doka da masu kula suna nanata cewa ajiya na tokenised dole ta zama daidai a tattalin arziki da ajiyar bankin kasuwanci na gargajiya, ma'ana tana wakiltar alhaki mara tsaro a kan ma'auni na banki kuma tana ɗaukar rufin inshora na ajiya iri ɗaya.
Duk da haka, daga mahangar aiki da fasaha, ajiyar tokenised suna gabatar da haɗari na musamman. Kwangiloli masu wayo za su iya aiwatar da fitar da kuɗi na atomatik, masu iya shiryawa a gudu da yawa da model na gwajin damuwa na ruwan kuɗi na gargajiya ba a tsara su don kwaikwayo ba. A ƙarƙashin buƙatun jari na Basel III, bankuna dole su tabbatar da cewa injunan haɗarinsu na iya yin model na fitar da kuɗi mai iya shiryawa kuma cewa ledger ɗinsu na tokenised suna haɗuwa cikin tsafta da tsofaffin tsarin Real-Time Gross Settlement (RTGS) yayin zagayen ruwan kuɗi na yau da kullum.

Stablecoins da Ajiyar Tokenised: Matsayi Mai Cikakken Bayani

Yayin da stablecoins na sirri, cikakke masu ajiya (kamar USDC) ke ci gaba da kama babban rabon kasuwa a cikin turo kuɗi na ƙasa-da-ƙasa na sayarwa da kasuwanci mara tsakiya, ba su da ƙarfin ƙirƙirar bashi da kammala biyan kuɗi na tsarin bankin kasuwanci.

A maimakon yin gasa kai tsaye a kan layukan sayarwa, bankunan ma'amala suna kafa kula da kadara, suna fitar da kayan aikin alhakinsu na tokenised da aka tsara, da gina ƙofofin shiga/-fita masu aminci. Wannan yana bar abokan ciniki na kamfani su ji daɗin sassaucin shirye-shirye na token na dijital yayin da suke kiyaye jarinsu a cikin iyakar banki da aka tsara.

Tambayoyin da Hukumomin Gudanarwa Su Yi Game da Kuɗi na Tokenised

Shiga cikin Ledger Haɗaɗɗe: Menene taswirar hanyarmu ta dabaru mai aiki na shiga cikin shirye-shiryen ledger haɗaɗɗe na jama'a-da-kamfani na manyan kasuwanci kamar Project Agorá?
Ma'auni & Yin Model na Haɗari: Shin injunan haɗarinmu da tsarin isasshen jarinmu sun sabunta model na gwajin damuwa don yin lissafi ga saurin fitar da token da kwangilar-wayo ke haifar da su?
Sassan Abokan Ciniki na Farko-Motsi: Wanne daga cikin sassan abokan cinikin baitulmali na kamfani da bankin kasuwancinmu za su amfana nan take daga biyan kuɗi na DvP/PvP mai iya shiryawa, na tokenised?

Ginshiƙi na 4: Bayanai Masu Tsari da Kariyar Zamba

Bin ka'idar tsari a 2026 ana mamaye shi da ƙarshen adireshi mai tsari na 14 Nuwamba, 2026 da aka kafa a ƙarƙashin SWIFT Standards Release (SR) 2026. Ƙarshen adireshi mai tsari na SWIFT SR 2026: Daga 14 Nuwamba, 2026, hanyoyin biyan kuɗi na SWIFT CBPR+ da SEPA za su daina karɓar ƙungiyoyin adireshin gidan waya na rubutu-kyauta, marasa tsari gaba ɗaya (<AdrLine>) a cikin saƙonnin biyan kuɗi a hukumance. Duk saƙon biyan kuɗi na ƙasa-da-ƙasa ko na cikin gida da ke ɗauke da adireshi mara tsari inda ake tsammanin abubuwan tsari za a jinkirta ko ƙi shi nan take ta hanyar sadarwa.

Yawancin cibiyoyin kuɗi sun gane kwanan wata, amma da yawa sun ɗauke shi a matsayin motsa jiki na taswira na sama-sama a matakin haɗin kai. A gaskiya, umarnin adireshi mai tsari babban ƙalubale ne na ingancin bayanai da kula da bayanai. Don gujewa adadin ƙi masu bala'i, dole a sake tsara ayyukan biyan kuɗi a ƙarƙashin tsarin kula da bayanai mai bayyanuwa, mai fannoni da yawa:

Ƙungiyoyin Samfur da Ayyuka: Alhakin kama bayanai a tushe. Wannan ya haɗa da sabunta tashoshin dijital masu fuskantar abokin ciniki, hanyoyin shiga, da filayen shigar da ERP na kamfani don tilasta filayen adireshi masu tsari (misali, Sunan Titi <StrtNm>, Lambar Waya <PstCd>, Sunan Gari <TwnNm>, Ƙasa <Ctry>) kai tsaye a wurin fara biyan kuɗi.
Ƙungiyoyin Fasaha: Alhakin fassara bayanai, taswira, da tabbatar da tsarin database. Wannan ya haɗa da tura injunan tabbatarwa da ke toshe tsofaffin fayiloli kafin su isa haɗin kai na SWIFT, da amfani da model na koyon na'ura na gida don fassara tsofaffin ƙungiyoyin adireshi marasa tsari zuwa alamun da suka dace da XML a ƙarƙashin uwar node na <PstlAdr>.
Ƙungiyoyin Bin Ka'ida da Haɗari: Alhakin sabunta duban takunkumi, sa ido kan ma'amala, da hankalin duban yaƙi da satar kuɗi (AML) don ɗaukar filayen XML masu tsari sosai, yana rage adadin karya-karya sosai da bincike na hannu.

Hujjar Kasuwanci na Bayanai Masu Tsari

Yayin da ake tsara shi galibi a matsayin farashin bin ka'ida, bayanan biyan kuɗi na ISO 20022 masu inganci sune mai ba da kuɗin shiga mai ƙarfi ga bankunan ma'amala:

Yanke Shawarar Bashi na Ci gaba: Bayanan invoice, turo kuɗi, da na ƙarshen mai bashi masu tsari suna bar bankuna su gina shirye-shiryen tallafin jari-aiki masu daidaito sosai, na atomatik da factoring na invoice na sarƙar samarwa don abokan ciniki na kamfani.
Daidaita Kuɗin da za a Karɓa ta Atomatik: Bayyana masu ganewa na jam'iyya da invoice masu tsari yana bar bankuna su ba da samfuran daidaita kuɗi na fifiko da tara asusu na kama-da-wane, suna samar da sabon kuɗin shiga na kuɗin ma'amala.
Nazarin Ma'amala Mai Iya Samun Kuɗi: Bankuna za su iya haɗa da sayar da dashboard na nazarin ruwan kuɗi na lokaci-lokaci mai daki-daki da tsarin siyayya kai tsaye ga CFOs da ma'aikatan baitulmali na kamfani.

Model na Kariyar Zamba na AI Mai Matakai

Yayin da saurin ma'amala ke gaggauta zuwa lokaci-lokaci, dabarun zamba sun haɓaka cikin rikitarwa. Bincike na baya-bayan nan ya nuna cewa deepfakes yanzu suna lissafin kimanin kashi 40% na ƙoƙarin zamba na biometric, tare da amfani da kafofin watsa labarai na roba da yawa don kayar da sarrafa gane murya da fuska a cikin shiga da kwararar biyan kuɗi.

Don kare kai daga hanyoyin zamba masu aiki koyaushe, masu sauri mai girma, bankunan ma'amala dole su tura Model na Kariyar Zamba na AI Mai Matakai Uku:

Matakin Shaida: Tilasta FIDO2 passkeys da aka tabbatar ta biometric, ɗaure na'urar kayan masarufi da aka sanya hannu ta cryptography, da wallet na ID na dijital marasa tsakiya don kiyaye damar biyan kuɗi.
Matakin Ɗabi'a: Sa ido kan biometrics na ɗabi'a mai ci gaba, kamar saurin kewaya zama, saurin buga rubutu, da fuskantar na'ura, don gano aiwatar da bot na atomatik ko ƙoƙarin satar zama.
Matakin Ma'amala: Amfani da filayen saƙonnin ISO 20022 masu tsari sosai don ciyar da injunan haɗari na koyon na'ura na lokaci-lokaci, suna gicciye bayanan ma'amala da hankalin ƙungiya na matakin hanyar sadarwa da aka raba don gano ma'amaloli masu shakku a cikin milliseconds na farawa.

Don biyan tsammanin kula, waɗannan model na AI na matakin ma'amala dole su haɗa da sigogin bayyanawa masu tsauri kuma su yi aiki a ƙarƙashin shiri na Sarrafa Haɗarin Model (MRM) na musamman. Masu tsara doka suna tsammanin bankuna su iya bayyana takamaiman abubuwan bayanai da hankalin algorithm da suka haifar da toshe biyan kuɗi na atomatik ko faɗakarwar da ta danganta da zamba, daidai da tsammanin kula kamar US Federal Reserve SR 11-7 da ka'idodin Sarrafa Haɗarin Model na PRA SS1/23 na Bankin Ingila don bankuna.

Ajandar Hukumar Gudanarwa ta 2026–2028 don Biyan Kuɗi na Duniya

Don aiwatarwa cikin nasara a cikin waɗannan ginshiƙai huɗu, hukumomin gudanar da G-SIB da bankunan yanki su tsara jarin ayyuka da fasaharsu a kan taswirar hanya ta dabaru mai bayyanuwa, mai sararin uku:

Sararin 1: Bin Ka'ida Nan Take da Ƙarfafa Ainihin Tsari (0–12 Watanni)

Mayar da Hankali: Daidaita Ingancin Bayanai na ISO 20022 da kiyaye hanyoyin ma'amala na lokaci-lokaci na asali.
Alamar Nasara (KPI): Sifili na ƙin adireshi mara tsari a kan hanyoyin sadarwa na SWIFT da SEPA bayan sakin ma'aunin 14 Nuwamba, 2026.
Mai Mallakar Zartarwa: Babban Jami'in Aiki (COO) / Shugaban Ayyukan Biyan Kuɗi.
Nau'in Isarwa: Mataki Marar Nadama. Sabunta tsarin database na ainihi da tura injin tabbatarwa na SWIFT SR 2026.

Sararin 2: Aiki na Atomatik da Kariyar Agentic (12–24 Watanni)

Mayar da Hankali: Tura ƙofofin API na agentic masu iyaka da tsarin kariyar zamba mai ci gaba.
Alamar Nasara (KPI): Kashi 100% na ma'amaloli na API na na'ura-zuwa-na'ura da AI ta fara an tabbatar ta ɗaure kayan masarufi na FIDO2 da injunan manufa masu iyakance iko.
Mai Mallakar Zartarwa: Babban Jami'in Bayanai (CIO) / Babban Jami'in Haɗari (CRO).
Nau'in Isarwa: Mataki Marar Nadama (Kariyar Zamba) da Zaɓin Dabaru (Kasuwancin Agentic). Aiwatar da Model Context Protocol (MCP) da AI na zamba mai matakai uku.

Sararin 3: Tokenisation na Dandali da Ledger Haɗaɗɗe (24–36 Watanni)

Mayar da Hankali: Sauya kadarorin baitulmali zuwa ajiyar tokenised da shiga cikin ledger na ƙasa-da-ƙasa da aka raba.
Alamar Nasara (KPI): Aƙalla kashi 15% na juzu'in biyan kuɗi na baitulmali na kamfani mai daraja mai girma an sarrafa a asali ta kayan aikin ajiya na tokenised ko tsarin ledger haɗaɗɗe (misali, hanyoyin Project Agorá).
Mai Mallakar Zartarwa: Ma'aikacin Baitulmali na Ƙungiya / Shugaban Bankin Ma'amala.
Nau'in Isarwa: Zaɓin Dabaru. Tura tsarin ledger mai iya shiryawa, ƙa'idodin ruwan kuɗi na kwangilar-wayo, da masu daidaita biyan kuɗi na DvP/PvP.

Tambayoyin da Ake Yawan Yi

Wa ke mallakar KYC da AML lokacin da wakili mai cin gashin kai ya fara biyan kuɗi? Bankin asali har yanzu yana mallakar alhakin, amma dole ya iya tabbatar da cewa ikon da aka wakilta na wakili yana da ɗaure ta cryptography ga ainihin mai asusu. A aikace wannan yana nufin ɗaukar sarƙar ma'amala ta agentic a matsayin sabuwar iyakar alhaki: banki yana tabbatar da wakilta, yana amfani da iyakoki na iyakance iko a ƙofar API, kuma yana ba da matsayin haɗari ga kwararar marasa fara-da-mutum har sai tarihin biyan kuɗi ya wanzu. Wakilta SCA a ƙarƙashin PSD3/PSR yana tafiyar da lokacin da dole a mayar da mutum cikin zagaye.

Me ya sa ruwan kuɗi mai aiki koyaushe matsalar DORA ce ba wai haɓaka IT kawai ba? Domin ba da API na baitulmali na 24/7 yana juya samuwa zuwa buƙatar kula maimakon fifikon matakin sabis. Ledger na lokaci-lokaci da dole ya riƙe samuwar 99.999% a ƙarƙashin nauyin ma'amala mai ci gaba dole ya nuna, ga mai tsara doka, cewa yana tsira daga hare-haren yanar gizo masu tsanani-amma-masu-yiwuwa, ɓarnar hanyar sadarwa da tarnaƙin hyperscaler ba tare da katse muhimman biyan kuɗi ba. Wannan yana tilasta jari a cikin tsari na gajimare da yawa masu maimaici ta yanki, masu aiki-aiki da canja aiki na atomatik, wanda umarnin juriya ne, ba burin aiki ba.

Ta yaya ajiya na tokenised ta bambanta da stablecoin a kan ma'auni? Ajiya na tokenised daidai ce a tattalin arziki da ajiyar bankin kasuwanci na gargajiya: alhaki mara tsaro a kan ma'auni na banki da ke ɗauke da kula da inshora na ajiya iri ɗaya da ƙarfin ƙirƙirar bashi. Stablecoin kayan aiki ne cikakke mai ajiya da ba shi da wannan ƙarfin ƙirƙirar bashi da kammala biyan kuɗi. Bambancin aiki shine gudu: kwangiloli masu wayo za su iya haifar da fitar da kuɗi mai iya shiryawa da sauri fiye da yadda model na damuwa na ruwan kuɗi na gargajiya ke ɗauka, don haka injunan haɗari dole su yi model na fitar da kuɗi da kwangilar-wayo ke jagoranta a ƙarƙashin Basel III.

Me a zahiri ke faruwa a 14 Nuwamba 2026 idan ba a tsara bayanan adireshi ba? A ƙarƙashin SWIFT SR 2026, saƙonnin CBPR+ da SEPA da ke ɗauke da ƙungiyoyin adireshi na rubutu-kyauta marasa tsari inda ake tsammanin abubuwan tsari za a jinkirta ko ƙi su gaba ɗaya a matakin hanyar sadarwa. Ƙarshe ne mai ƙayyadadden kwanan wata, ba ƙaura mai laushi ba, don haka banki da ya ɗauke shi a matsayin motsa jiki na taswira-haɗin kai maimakon shiri na kula da bayanai yana fuskantar tsalle-tsalle na adadin ƙi nan take a fannin samfur, fasaha da bin ka'ida. Maganin shine kama mai tsari a wurin farawa cikin alamun <PstlAdr>.

Nassoshi

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European Parliament and Council of the European Union, (2022). Regulation (EU) 2022/2554 on digital operational resilience for the financial sector (DORA) [online]. Brussels: Official Journal of the European Union. Available at: DORA Regulation [Accessed 25 June 2026].
European Banking Authority (EBA), (2019). Guidelines on outsourcing arrangements (EBA/GL/2019/02) [online]. Paris: EBA. Available at: EBA Outsourcing Guidelines [Accessed 25 June 2026].
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Bita ta ƙarshe 2026-07-24.

Sake buga wannan labari

Hangen Nesa na Biyan Kuɗi na Duniya na 2026: Tsarin Aiki, Haɗari, da Kuɗin Shiga a Duniya Mai Agentic, Marar Ganuwa, da Ta Lokaci-lokaci — Sebastien Rousseau

Ra'ayin tsarin aiki na G-SIB kan biyan kuɗi na 2026: alhakin agentic, ruwan kuɗi mai aiki koyaushe a ƙarƙashin DORA, ledger haɗaɗɗe na tokenised da ƙarshen adireshin SWIFT na Nuwamba 2026.

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

Hangen Nesa na Biyan Kuɗi na Duniya na 2026: Tsarin Aiki, Haɗari, da Kuɗin Shiga a Duniya Mai Agentic, Marar Ganuwa, da Ta Lokaci-lokaci — Sebastien Rousseau

Ra'ayin tsarin aiki na G-SIB kan biyan kuɗi na 2026: alhakin agentic, ruwan kuɗi mai aiki koyaushe a ƙarƙashin DORA, ledger haɗaɗɗe na tokenised da ƙarshen adireshin SWIFT na Nuwamba 2026.

Originally published at https://sebastienrousseau.com/ha/2026-07-24-global-payments-outlook-operating-model-risk-revenue/ by Sebastien Rousseau.
Licensed under CC-BY-4.0.

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