{"id":116809,"date":"2026-09-27T00:14:39","date_gmt":"2026-09-26T22:14:39","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=116809"},"modified":"2026-09-26T11:08:34","modified_gmt":"2026-09-26T09:08:34","slug":"jak-zeme-brics-propojuji-sve-platebni-systemy-bez-spolecne-meny","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/09\/27\/jak-zeme-brics-propojuji-sve-platebni-systemy-bez-spolecne-meny\/","title":{"rendered":"Jak zem\u011b BRICS propojuj\u00ed sv\u00e9 platebn\u00ed syst\u00e9my bez spole\u010dn\u00e9 m\u011bny"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<div class=\"elementor-element elementor-element-1fb4c2c elementor-widget elementor-widget-theme-post-content\" data-id=\"1fb4c2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-content.default\">\n<div class=\"elementor-widget-container\" style=\"text-align: left;\">\n<p class=\"wp-block-paragraph\"><em><span dir=\"auto\">Summit v Nov\u00e9m Dill\u00ed se zam\u011b\u0159il na vypo\u0159\u00e1d\u00e1n\u00ed v m\u00edstn\u00edch m\u011bn\u00e1ch a interoperabilitu platebn\u00edch syst\u00e9m\u016f. V\u011bt\u0161\u00ed v\u00fdzvou je propojen\u00ed dom\u00e1c\u00edch platebn\u00edch syst\u00e9m\u016f, devizov\u00fdch trh\u016f a bankovn\u00edch vypo\u0159\u00e1d\u00e1n\u00ed p\u0159es hranice.<\/span><\/em><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Ve st\u0159edov\u011bk\u00e9 Evrop\u011b nemusel obchodn\u00edk obchoduj\u00edc\u00ed mezi Janovem, Florenci\u00ed, Bruggami nebo Lyonem v\u017edy p\u0159epravovat truhlici plnou st\u0159\u00edbra p\u0159es kontinent. M\u00edsto toho mohla dluh vyrovnat sm\u011bnka. Bank\u00e9\u0159i v r\u016fzn\u00fdch m\u011bstech si mezi sebou vedli \u00fa\u010dty, vyrovn\u00e1vali si vz\u00e1jemn\u00e9 z\u00e1vazky a zb\u00fdvaj\u00edc\u00ed z\u016fstatek vyrovn\u00e1vali pozd\u011bji.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Podle dne\u0161n\u00edch m\u011b\u0159\u00edtek byly tyto metody pomal\u00e9, osobn\u00ed a riskantn\u00ed. Nicm\u00e9n\u011b vy\u0159e\u0161ily probl\u00e9m, kter\u00fd se n\u00e1m dnes zd\u00e1 pozoruhodn\u011b zn\u00e1m\u00fd: obchod musel p\u0159esouvat hodnotu p\u0159es hranice, kde se m\u011bny, instituce a pravidla li\u0161ily.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Zem\u011b BRICS nyn\u00ed \u010del\u00ed modern\u00ed verzi tohoto probl\u00e9mu. Rusko m\u00e1 syst\u00e9m rychlej\u0161\u00edch plateb, karty Mir a SPFS. Indie m\u00e1 UPI. Braz\u00edlie m\u00e1 Pix. Indon\u00e9sie m\u00e1 QRIS, zat\u00edmco \u010c\u00edna m\u00e1 rozs\u00e1hlou infrastrukturu pro clearing a vypo\u0159\u00e1d\u00e1n\u00ed plateb v renminbi. Tyto syst\u00e9my mohou b\u00fdt v tuzemsku extr\u00e9mn\u011b rychl\u00e9, ale p\u0159i p\u0159ekra\u010dov\u00e1n\u00ed hranic se zpracov\u00e1n\u00ed komplikuje.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Nov\u00e9 Dill\u00ed jasn\u011bji ur\u010dilo sm\u011br<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!Nkaf!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F4d858c71-2969-45cf-8c7a-6869c77841eb_1600x900.png\" alt=\"\" width=\"911\" height=\"512\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">T\u00e9mata interoperability a vypo\u0159\u00e1d\u00e1n\u00ed v n\u00e1rodn\u00ed m\u011bn\u011b z\u016fstala \u00fast\u0159edn\u00edm bodem platebn\u00edho programu na summitu v roce 2026.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Summit BRICS v Nov\u00e9m Dill\u00ed ve dnech 12. a 13. z\u00e1\u0159\u00ed 2026 nevedl k zaveden\u00ed spole\u010dn\u00e9 m\u011bny ani k odhalen\u00ed jednotn\u00e9 platebn\u00ed platformy. M\u00edsto toho pracovn\u00ed skupina BRICS pro platby obdr\u017eela v z\u00e1v\u011bre\u010dn\u00e9m prohl\u00e1\u0161en\u00ed konkr\u00e9tn\u00ed mand\u00e1t: pokra\u010dovat v pr\u00e1ci na efektivn\u00edch mechanismech p\u0159eshrani\u010dn\u00edch plateb, prozkoumat interoperabilitu mezi platebn\u00edmi a komunika\u010dn\u00edmi kan\u00e1ly a podporovat obchod a investice s vyu\u017eit\u00edm m\u00edstn\u00edch m\u011bn BRICS.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Formulace je kl\u00ed\u010dov\u00e1. Hlavy st\u00e1t\u016f a vl\u00e1d v\u00fdslovn\u011b uznaly n\u00e1rodn\u00ed priority a prohl\u00e1sily, \u017ee neexistuje \u201euniverz\u00e1ln\u00ed p\u0159\u00edstup\u201c. Vyzvaly pracovn\u00ed skupinu, aby pokra\u010dovala ve v\u00fdvoji \u0159e\u0161en\u00ed, kter\u00e1 budou rychl\u00e1, n\u00e1kladov\u011b efektivn\u00ed, dostupn\u00e1, \u00fa\u010dinn\u00e1, transparentn\u00ed a bezpe\u010dn\u00e1.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">To ponech\u00e1v\u00e1 zna\u010dn\u00fd prostor pro r\u016fzn\u00e9 architektury. Indie vstoupila na summit s konkr\u00e9tn\u011bj\u0161\u00ed my\u0161lenkou: Agentura Reuters 10. z\u00e1\u0159\u00ed informovala, \u017ee Nov\u00e9 Dill\u00ed vyzvalo \u010dleny BRICS k prozkoum\u00e1n\u00ed propojen\u00ed digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00edch bank (CBDC). CBDC nebyly v z\u00e1v\u011bre\u010dn\u00e9m prohl\u00e1\u0161en\u00ed zm\u00edn\u011bny. Obecn\u00fd z\u00e1vazek k interoperabilit\u011b z\u016fstal zachov\u00e1n; summit se v\u0161ak zdr\u017eel z\u00e1vazku k jedin\u00e9 technologick\u00e9 cest\u011b.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Toto pokra\u010duje v pr\u00e1ci, kter\u00e1 je ji\u017e patrn\u00e1 z kaza\u0148sk\u00fdch dokument\u016f z roku 2024 a deklarace z Ria z roku 2025. V Riu byli \u00fa\u0159edn\u00edci pov\u011b\u0159eni prozkoum\u00e1n\u00edm v\u011bt\u0161\u00ed interoperability a technick\u00e1 zpr\u00e1va o p\u0159eshrani\u010dn\u00edch platb\u00e1ch byla v\u00edt\u00e1na. Nov\u00e9 Dill\u00ed posunulo diskusi vp\u0159ed, ani\u017e by p\u0159edst\u00edralo, \u017ee jeden\u00e1ct velmi odli\u0161n\u00fdch m\u011bnov\u00fdch a regula\u010dn\u00edch syst\u00e9m\u016f lze p\u0159es noc slou\u010dit do jednoho konceptu.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Debata o spole\u010dn\u00e9 m\u011bn\u011b p\u0159ehl\u00ed\u017e\u00ed \u010d\u00e1st probl\u00e9mu<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!k5YS!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F5f6a18b2-d341-44a6-a69e-c4cc300e183d_1600x900.png\" alt=\"\" width=\"976\" height=\"549\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">\u010clenov\u00e9 BRICS mohou roz\u0161i\u0159ovat obchod ve sv\u00fdch n\u00e1rodn\u00edch m\u011bn\u00e1ch, ani\u017e by zav\u00e1d\u011bli spole\u010dnou m\u011bnu.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Nov\u00e1 m\u011bna BRICS p\u0159itahuje mnohem v\u00edce pozornosti ne\u017e platebn\u00ed infrastruktura. Brazilsk\u00fd \u0161erpa BRICS Mauricio Lyrio v roce 2025 prohl\u00e1sil, \u017ee takov\u00e1 m\u011bna nen\u00ed p\u0159edm\u011btem diskuse a \u017ee se praktick\u00e1 agenda zam\u011b\u0159uje na sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f na obchodn\u00ed a finan\u010dn\u00ed transakce, a to i prost\u0159ednictv\u00edm zv\u00fd\u0161en\u00e9ho pou\u017e\u00edv\u00e1n\u00ed n\u00e1rodn\u00edch m\u011bn.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Deklarace z roku 2026 toto zam\u011b\u0159en\u00ed posiluje. Rusk\u00e1 spole\u010dnost m\u016f\u017ee platit indick\u00e9mu dodavateli v rublech a rupi\u00edch, ani\u017e by se kter\u00e1koli ze zem\u00ed musela vzd\u00e1t sv\u00e9 m\u011bny. Po v\u00fdb\u011bru m\u011bny vyvst\u00e1vaj\u00ed slo\u017eit\u00e9 ot\u00e1zky: Kdo stanovuje sm\u011bnn\u00fd kurz, kde se nach\u00e1z\u00ed likvidita, jak se p\u0159ed\u00e1vaj\u00ed platebn\u00ed p\u0159\u00edkazy, kter\u00e9 banky vedou pot\u0159ebn\u00e9 \u00fa\u010dty a jak se prov\u00e1d\u00ed kone\u010dn\u00e9 vy\u00fa\u010dtov\u00e1n\u00ed?<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">V\u00fdpo\u010detn\u00ed jednotka pat\u0159\u00ed do jin\u00e9 \u00farovn\u011b<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!5yHd!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F9c4b4a7f-271b-45fc-83ed-1ebd2e2b3747_1600x900.png\" alt=\"\" width=\"936\" height=\"526\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">N\u00e1vrh nez\u00e1visl\u00e9ho subjektu p\u0159edpokl\u00e1d\u00e1 slo\u017een\u00ed ko\u0161e m\u011bn ve slo\u017een\u00ed 40 % zlata a 60 %.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Ot\u00e1zkou z\u016fst\u00e1v\u00e1, jak by \u010dlenov\u00e9 BRICS mohli m\u011b\u0159it a vyrovn\u00e1vat sv\u00e9 obchodn\u00ed z\u00e1vazky. N\u00e1vrhy jako \u201eUnit\u201c se na to sna\u017e\u00ed odpov\u011bd\u011bt. Auto\u0159i \u201eUnit\u201c navrhli m\u011bnov\u00fd ko\u0161 sest\u00e1vaj\u00edc\u00ed ze 40 % zlata a 60 % m\u011bn p\u016fvodn\u00edch p\u011bti \u010dlen\u016f BRICS a v roce 2025 posunuli tuto my\u0161lenku do testovac\u00ed f\u00e1ze.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">\u201eJednotku\u201c nep\u0159ijaly ani centr\u00e1ln\u00ed banky BRICS, ani Nov\u00e1 rozvojov\u00e1 banka. Z\u016fst\u00e1v\u00e1 nez\u00e1visl\u00fdm n\u00e1vrhem. Jej\u00ed \u00fa\u010del se nav\u00edc li\u0161\u00ed od \u00fa\u010delu interoperability platebn\u00edch syst\u00e9m\u016f. Z\u00fa\u010dtovac\u00ed jednotka by poskytovala spole\u010dn\u00fd standard pro tvorbu cen nebo vypo\u0159\u00e1d\u00e1n\u00ed z\u00e1vazk\u016f; platebn\u00ed infrastruktura na druhou stranu ur\u010duje, jak finan\u010dn\u00ed prost\u0159edky skute\u010dn\u011b plynou z jednoho bankovn\u00edho syst\u00e9mu do druh\u00e9ho. I kdy\u017e by tyto dv\u011b \u00farovn\u011b mohly v kone\u010dn\u00e9m d\u016fsledku interagovat, ne\u0159e\u0161\u00ed stejn\u00fd probl\u00e9m.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Co se d\u011bje za tla\u010d\u00edtkem \u201eodeslat\u201c<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!oiyb!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa28d274a-4d47-4b6e-a3a6-590473ec01e9_1600x900.png\" alt=\"\" width=\"998\" height=\"561\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">P\u0159eshrani\u010dn\u00ed platba st\u00e1le vy\u017eaduje p\u0159enos zpr\u00e1v, devizov\u00e9 transakce, likviditu a kone\u010dn\u00e9 vypo\u0159\u00e1d\u00e1n\u00ed.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">\u0158ekn\u011bme, \u017ee rusk\u00fd dovozce plat\u00ed indick\u00e9mu dodavateli. Pro z\u00e1kazn\u00edka to m\u016f\u017ee vypadat jako jednoduch\u00fd bankovn\u00ed p\u0159evod, ale zahrnuje to n\u011bkolik proces\u016f. Banky si mus\u00ed vym\u011bnit platebn\u00ed informace. Rubly je t\u0159eba p\u0159ev\u00e9st na rupie, a to bu\u010f p\u0159\u00edmo, nebo prost\u0159ednictv\u00edm jin\u00e9 m\u011bny. Instituce na obou stran\u00e1ch pak mus\u00ed vyrovnat sv\u00e9 p\u0159\u00edslu\u0161n\u00e9 pohled\u00e1vky a z\u00e1vazky.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Rychlost na stran\u011b z\u00e1kazn\u00edka tedy vypov\u00edd\u00e1 pouze o \u010d\u00e1sti celkov\u00e9ho obrazu. P\u0159evod m\u016f\u017ee b\u00fdt okam\u017eit\u00fd, ale p\u0159evod finan\u010dn\u00edch prost\u0159edk\u016f, obchodov\u00e1n\u00ed s ciz\u00edmi m\u011bnami a mezibankovn\u00ed vypo\u0159\u00e1d\u00e1n\u00ed st\u00e1le z\u00e1vis\u00ed na samostatn\u00fdch instituc\u00edch a \u00fa\u010dtech.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Infrastruktura je zde kl\u00ed\u010dov\u00e1. Funguj\u00edc\u00ed syst\u00e9m p\u0159eshrani\u010dn\u00edch plateb vy\u017eaduje dostate\u010dnou likviditu v obou m\u011bn\u00e1ch, spolehliv\u00e9 sm\u011bnn\u00e9 kurzy, spole\u010dn\u00e9 technick\u00e9 standardy, jasn\u00e1 pravidla pro dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f a mechanismus pro kone\u010dn\u00e9 vy\u00fa\u010dtov\u00e1n\u00ed. Propojen\u00ed dvou platebn\u00edch syst\u00e9m\u016f \u0159e\u0161\u00ed jednu \u010d\u00e1st probl\u00e9mu; zbytek mus\u00ed st\u00e1le fungovat.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Jedno spojen\u00ed m\u016f\u017ee nahradit mnoho bilater\u00e1ln\u00edch spojen\u00ed<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!USVP!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F9ba992ac-7038-4431-8fbe-ecd4797c9828_1600x900.png\" alt=\"\" width=\"934\" height=\"525\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">Nexus propojuje dom\u00e1c\u00ed syst\u00e9my okam\u017eit\u00fdch plateb prost\u0159ednictv\u00edm spole\u010dn\u00e9ho syst\u00e9mu.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Nejjednodu\u0161\u0161\u00ed model je bilater\u00e1ln\u00ed. Rusko a \u00cdr\u00e1n postupn\u011b integrovaly sv\u00e9 kartov\u00e9 syst\u00e9my Mir a Shetab. Indon\u00e9sie ji\u017e provozuje p\u0159eshrani\u010dn\u00ed QR platebn\u00ed spojen\u00ed s n\u011bkolika partnery. Koridor m\u016f\u017ee b\u00fdt spu\u0161t\u011bn, jakmile budou ob\u011b strany p\u0159ipraveny, ani\u017e by bylo nutn\u00e9 \u010dekat, a\u017e se v\u0161ichni \u010dlenov\u00e9 BRICS dohodnou na stejn\u00e9m harmonogramu.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Po\u010det bilater\u00e1ln\u00edch propojen\u00ed v\u0161ak rychle roste s t\u00edm, jak se p\u0159ipojuje st\u00e1le v\u00edce zem\u00ed. Projekt \u201eNexus\u201c je p\u0159\u00edkladem modelu uzlu, kter\u00fd m\u00e1 tuto slo\u017eitost zjednodu\u0161it. Dom\u00e1c\u00ed syst\u00e9m okam\u017eit\u00fdch plateb se jednou p\u0159ipoj\u00ed ke spole\u010dn\u00e9mu syst\u00e9mu a pot\u00e9 se m\u016f\u017ee prost\u0159ednictv\u00edm stejn\u00e9ho r\u00e1mce dostat k dal\u0161\u00edm z\u00fa\u010dastn\u011bn\u00fdm syst\u00e9m\u016fm.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Spole\u010dnost Nexus Global Payments byla zalo\u017eena v roce 2025 centr\u00e1ln\u00edmi bankami Indie, Malajsie, Filip\u00edn, Singapuru a Thajska. Indon\u00e9sie se zpo\u010d\u00e1tku \u00fa\u010dastnila jako zvl\u00e1\u0161tn\u00ed pozorovatel. V \u00fanoru 2026 se stala \u0161est\u00fdm \u0159\u00e1dn\u00fdm \u010dlenem a zah\u00e1jila p\u0159\u00edpravy na integraci BI-FAST do s\u00edt\u011b.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Nexus standardizuje proces, ale obchodov\u00e1n\u00ed s devizami a vypo\u0159\u00e1d\u00e1n\u00ed z\u016fst\u00e1vaj\u00ed z\u00e1kladn\u00edmi funkcemi, kter\u00e9 zaji\u0161\u0165uj\u00ed z\u00fa\u010dastn\u011bn\u00e9 instituce. Koncept zahrnuje poskytovatele devizov\u00fdch operac\u00ed a poskytovatele p\u0159\u00edstupu k vypo\u0159\u00e1d\u00e1n\u00ed, kte\u0159\u00ed spravuj\u00ed finan\u010dn\u00ed prost\u0159edky ve sv\u00fdch p\u0159\u00edslu\u0161n\u00fdch dom\u00e1c\u00edch syst\u00e9mech. Centrum zjednodu\u0161uje propojen\u00ed; nevytv\u00e1\u0159\u00ed sd\u00edlen\u00fd fond finan\u010dn\u00edch prost\u0159edk\u016f BRICS.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">mBridge p\u0159istupuje k vrstv\u011b zpracov\u00e1n\u00ed odli\u0161n\u011b<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!Atu7!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F3ffe8a38-501d-46d5-ad99-1007ec215d03_1600x900.png\" alt=\"\" width=\"1010\" height=\"568\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">mBridge pou\u017e\u00edv\u00e1 CBDC pro velkoobchodn\u00ed obchody na sd\u00edlen\u00e9 vypo\u0159\u00e1dac\u00ed platform\u011b.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Projekt mBridge ilustruje radik\u00e1ln\u011bj\u0161\u00ed architekturu. Vyu\u017e\u00edv\u00e1 digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00edch bank na sd\u00edlen\u00e9 platform\u011b, co\u017e umo\u017e\u0148uje z\u00fa\u010dastn\u011bn\u00fdm komer\u010dn\u00edm bank\u00e1m p\u0159ev\u00e1d\u011bt a vypo\u0159\u00e1d\u00e1vat pen\u00edze centr\u00e1ln\u00edch bank p\u0159es hranice, ani\u017e by musely replikovat cel\u00fd tradi\u010dn\u00ed \u0159et\u011bzec koresponden\u010dn\u00edho bankovnictv\u00ed.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Objem transakc\u00ed na platform\u011b se v\u00fdrazn\u011b zv\u00fd\u0161il. Agentura Reuters v lednu 2026 s odvol\u00e1n\u00edm na data Atlantick\u00e9 rady uvedla, \u017ee mBridge od zah\u00e1jen\u00ed projektu zpracoval v\u00edce ne\u017e 4 000 p\u0159eshrani\u010dn\u00edch transakc\u00ed v kumulativn\u00ed hodnot\u011b 55,5 miliardy USD. Digit\u00e1ln\u00ed j\u00fcan se na tomto objemu pod\u00edlel p\u0159ibli\u017en\u011b 95 %.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">V listopadu 2025 provedlo ministerstvo financ\u00ed Spojen\u00fdch arabsk\u00fdch emir\u00e1t\u016f a dubajsk\u00e9 ministerstvo financ\u00ed prvn\u00ed vl\u00e1dn\u00ed transakci s pou\u017eit\u00edm digit\u00e1ln\u00edho dirhamu pro velkoobchodn\u00ed obchod na platform\u011b mBridge. Tato transakce p\u0159edstavovala samostatn\u00fd miln\u00edk a nebyla zahrnuta do kumulativn\u00edho objemu 55,5 miliardy USD na platform\u011b.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">mBridge je tak\u00e9 nez\u00e1visl\u00fd na platebn\u00ed iniciativ\u011b BRICS. Mezi jeho \u00fa\u010dastn\u00edky pat\u0159\u00ed centr\u00e1ln\u00ed banky a m\u011bnov\u00e9 org\u00e1ny pevninsk\u00e9 \u010c\u00edny, Hongkongu, Thajska, Spojen\u00fdch arabsk\u00fdch emir\u00e1t\u016f a Sa\u00fadsk\u00e9 Ar\u00e1bie. Slou\u017e\u00ed zde jako p\u0159\u00edklad toho, jak by mohla vypadat spole\u010dn\u00e1 vrstva z\u00fa\u010dtov\u00e1n\u00ed, nikoli jako d\u016fkaz, \u017ee se zem\u011b BRICS ji\u017e pro ni rozhodly.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">V\u00fdb\u011br m\u011bny a rychlost platby se mohou nez\u00e1visle li\u0161it<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!D0GM!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F9f535bb7-9c3b-4ce9-b3c3-0064478fdcc9_1600x900.png\" alt=\"\" width=\"1042\" height=\"586\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">Transakce v m\u00edstn\u00ed m\u011bn\u011b a propojen\u00ed platebn\u00edch syst\u00e9m\u016f \u0159e\u0161\u00ed r\u016fzn\u00e9 \u00fazk\u00e9 hrdly.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Indon\u00e9sie a Spojen\u00e9 arabsk\u00e9 emir\u00e1ty ilustruj\u00ed, pro\u010d je nutn\u00e9 tyto \u00farovn\u011b rozli\u0161ovat. Jejich centr\u00e1ln\u00ed banky zavedly r\u00e1mec pro transakce v rupi\u00edch a dirhamech a vyu\u017e\u00edvaj\u00ed specifick\u00e9 bankovn\u00ed a devizov\u00e9 dohody na podporu bilater\u00e1ln\u00edho obchodu a investic. Soub\u011b\u017en\u011b ob\u011b centr\u00e1ln\u00ed banky podepsaly tak\u00e9 dohody zam\u011b\u0159en\u00e9 na propojen\u00ed jejich platebn\u00edch syst\u00e9m\u016f za \u00fa\u010delem urychlen\u00ed p\u0159eshrani\u010dn\u00edch transakc\u00ed.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Tyto projekty \u0159e\u0161\u00ed r\u016fzn\u00e1 \u00fazk\u00e1 hrdla. Z\u00fa\u010dtov\u00e1n\u00ed v m\u00edstn\u00ed m\u011bn\u011b sni\u017euje z\u00e1vislost na t\u0159et\u00ed m\u011bn\u011b v r\u00e1mci dan\u00e9ho obchodn\u00edho koridoru. Propojen\u00ed platebn\u00edch syst\u00e9m\u016f sni\u017euje t\u0159en\u00ed p\u0159i p\u0159enosu a vypo\u0159\u00e1d\u00e1n\u00ed remitenc\u00ed. Ani jeden z t\u011bchto faktor\u016f v\u0161ak automaticky neodstra\u0148uje pot\u0159ebu likvidity, kontrol souladu s p\u0159edpisy nebo kone\u010dn\u00fdch dohod o vypo\u0159\u00e1d\u00e1n\u00ed.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Toto rozli\u0161en\u00ed tak\u00e9 pom\u00e1h\u00e1 vysv\u011btlit formulaci zvolenou v Nov\u00e9m Dill\u00ed. Deklarace se zvl\u00e1\u0161\u0165 zmi\u0148uje o interoperabilit\u011b platebn\u00edch a komunika\u010dn\u00edch syst\u00e9m\u016f a o obchodu a investic\u00edch v n\u00e1rodn\u00edch m\u011bn\u00e1ch. Zem\u011b BRICS s nimi zach\u00e1zej\u00ed jako s propojen\u00fdmi sou\u010d\u00e1stmi infrastruktury, nikoli jako s jednou m\u011bnovou sm\u011bn\u00e1rnou.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Rusko a Indie ji\u017e maj\u00ed funk\u010dn\u00ed koridor<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!2JPx!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64cbd4a0-7281-4208-9a1d-f4a65fcc8c31_1600x900.png\" alt=\"\" width=\"976\" height=\"549\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">Rusko a Indie ji\u017e nyn\u00ed uskute\u010d\u0148uj\u00ed v\u011bt\u0161inu sv\u00e9ho vz\u00e1jemn\u00e9ho obchodu v rublech a rupi\u00edch.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Pro Rusko m\u00e1 tato diskuse ji\u017e praktick\u00fd v\u00fdznam. 2. z\u00e1\u0159\u00ed 2026 Ivan Nosov, \u0161\u00e9f Sberbank v Indii, agentu\u0159e Reuters sd\u011blil, \u017ee rubly a rupie se pou\u017e\u00edvaj\u00ed p\u0159ibli\u017en\u011b v 96 % bilater\u00e1ln\u00edho obchodu. Tento obchodn\u00ed koridor obsluhuje dvaadvacet rusk\u00fdch a sedmn\u00e1ct indick\u00fdch bank. Podle Nosova bylo 90 % transakc\u00ed dokon\u010deno do deseti minut a v\u00edce ne\u017e polovina do jedn\u00e9 minuty.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Tento syst\u00e9m je bilater\u00e1ln\u00ed a zalo\u017een\u00fd na n\u00e1rodn\u00edch m\u011bn\u00e1ch a st\u00e1vaj\u00edc\u00edch bankovn\u00edch instituc\u00edch. Jeho v\u00fdznam spo\u010d\u00edv\u00e1 pr\u00e1v\u011b v tom, \u017ee nen\u00ed vy\u017eadov\u00e1na \u017e\u00e1dn\u00e1 rozs\u00e1hl\u00e1 nov\u00e1 m\u011bnov\u00e1 struktura: funk\u010dn\u00ed \u0159e\u0161en\u00ed lze vytvo\u0159it propojen\u00edm bank, likvidity a dohod o vypo\u0159\u00e1d\u00e1n\u00ed v r\u00e1mci konkr\u00e9tn\u00edho obchodn\u00edho vztahu.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Spojen\u00ed mezi Mirem a \u0160etabem se \u0159\u00edd\u00ed stejnou obecnou logikou na jin\u00e9 \u00farovni. \u010c\u00edm v\u00edce spojen\u00ed bude funk\u010dn\u00edch, t\u00edm d\u0159\u00edve budou moci zem\u011b BRICS usilovat o interoperabilitu a z\u00e1rove\u0148 pokra\u010dovat v bilater\u00e1ln\u00edch \u0159e\u0161en\u00edch tam, kde ji\u017e funguj\u00ed.<\/span><\/p>\n<h3 class=\"has-medium-font-size wp-block-paragraph\"><strong><span dir=\"auto\">Star\u00fd probl\u00e9m, nov\u00e9 n\u00e1stroje<\/span><\/strong><\/h3>\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter\" src=\"https:\/\/substackcdn.com\/image\/fetch\/$s_!n8Th!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep\/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa6e53466-6347-478b-9af5-639622fd4a8b_1600x900.png\" alt=\"\" width=\"978\" height=\"550\" \/><figcaption class=\"wp-element-caption\"><em><span dir=\"auto\">Modern\u00ed platebn\u00ed syst\u00e9my \u0159e\u0161\u00ed stejn\u00fd z\u00e1kladn\u00ed probl\u00e9m, jak\u00fd d\u0159\u00edve \u0159e\u0161ily sm\u011bnky.<\/span><\/em><\/figcaption><\/figure>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Sm\u011bnky kdysi sni\u017eovaly pot\u0159ebu fyzick\u00e9 p\u0159epravy minc\u00ed mezi m\u011bsty. Na veletrz\u00edch si obchodn\u00edci mohli vz\u00e1jemn\u011b zapo\u010d\u00edst velk\u00e9 mno\u017estv\u00ed z\u00e1vazk\u016f a vyrovnat pouze zb\u00fdvaj\u00edc\u00ed z\u016fstatek. Pozd\u011bji koresponden\u010dn\u00ed bankovnictv\u00ed propojilo instituce p\u0159es hranice a clearingov\u00e9 domy sn\u00ed\u017eily po\u010det individu\u00e1ln\u00edch vypo\u0159\u00e1d\u00e1n\u00ed, kter\u00e1 musely prov\u00e1d\u011bt.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Mezi dne\u0161n\u00ed n\u00e1stroje pat\u0159\u00ed syst\u00e9my okam\u017eit\u00fdch plateb, API, zpr\u00e1vy dle normy ISO 20022, QR k\u00f3dy, digit\u00e1ln\u00ed m\u011bny a automatizovan\u00e9 n\u00e1stroje pro dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f. Z\u00e1kladn\u00ed \u00fakol je dob\u0159e zn\u00e1m\u00fd: p\u0159ev\u00e1d\u011bt hodnotu mezi samostatn\u00fdmi m\u011bnov\u00fdmi syst\u00e9my a z\u00e1rove\u0148 se vyhnout zbyte\u010dn\u00fdm krok\u016fm.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Deklarace z Nov\u00e9ho Dill\u00ed nazna\u010duje, \u017ee se zem\u011b BRICS dohodly na praktick\u00e9m programu. N\u00e1rodn\u00ed m\u011bny z\u016fstanou zachov\u00e1ny. Dom\u00e1c\u00ed platebn\u00ed syst\u00e9my z\u016fstanou zachov\u00e1ny. \u00dakolem je nyn\u00ed navrhnout tyto komponenty tak, aby mohly komunikovat, p\u0159ev\u00e1d\u011bt a vypo\u0159\u00e1d\u00e1vat platby p\u0159es hranice \u2013 s men\u0161\u00edm po\u010dtem zpo\u017ed\u011bn\u00ed nebo selh\u00e1n\u00ed.<\/span><\/p>\n<p class=\"wp-block-paragraph\"><span dir=\"auto\">Pokud bude toto \u00fasil\u00ed \u00fasp\u011b\u0161n\u00e9, viditeln\u00fd v\u00fdsledek by mohl b\u00fdt p\u0159ekvapiv\u011b b\u011b\u017en\u00fd. Spole\u010dnost pos\u00edl\u00e1 pen\u00edze ve sv\u00e9 vlastn\u00ed m\u011bn\u011b, jej\u00ed partner obdr\u017e\u00ed jinou a transakce proch\u00e1z\u00ed s\u00edt\u00ed interoperabiln\u00edch syst\u00e9m\u016f, ani\u017e by kter\u00e1koli ze stran musela v\u011bd\u011bt, kolik technick\u00fdch vrstev se nach\u00e1z\u00ed pod n\u00ed.<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"elementor-element elementor-element-8c57238 quelle dc-has-condition dc-condition-empty elementor-widget elementor-widget-heading\" data-id=\"8c57238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n<div class=\"elementor-widget-container\">\n<h3 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 10pt;\"><a href=\"https:\/\/geopoliticsprime.substack.com\/p\/how-brics-is-linking-payment-systems\" target=\"_blank\" rel=\"nofollow noopener\"><span dir=\"auto\">Zdroj<\/span><\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Summit v Nov\u00e9m Dill\u00ed se zam\u011b\u0159il na vypo\u0159\u00e1d\u00e1n\u00ed v m\u00edstn\u00edch m\u011bn\u00e1ch a interoperabilitu platebn\u00edch syst\u00e9m\u016f&#8230;.<\/p>\n","protected":false},"author":2,"featured_media":116810,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[1161,45,2398,4613],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/116809"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=116809"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/116809\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/116810"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=116809"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=116809"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=116809"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}