社科院杨涛：统一网关便利机构跨境支付，用户端基本无感

Core Viewpoint - The launch of the Cross-Border QR Code Unified Gateway aims to enhance cross-border payment efficiency and standardization, addressing existing issues in the payment infrastructure [1][4][5]. Group 1: Unified Gateway Overview - The Unified Gateway is a cross-border payment infrastructure developed under the guidance of the People's Bank of China, allowing domestic and foreign institutions to collaborate through a single interface [1][4]. - Prior to the Unified Gateway, cross-border payments faced challenges such as inconsistent standards and inefficient "pairwise connections" between institutions, which hindered the overall effectiveness of China's payment industry [1][4]. - Since its trial operation began in late July, the Unified Gateway has processed 1.981 million transactions amounting to 427 million yuan by September 11 [1]. Group 2: Benefits and Changes - The Unified Gateway supports real-time processing of transaction information, significantly improving the efficiency and user experience of cross-border payments [2][7]. - It reduces the system connection costs for institutions and minimizes resource waste from multiple system upgrades [4][6]. - The establishment of a unified standard for foreign wallet institutions enhances the efficiency of wallet integration and promotes fair competition in the cross-border payment market [4][6]. Group 3: Participation and Expansion - Institutions eligible to connect to the Unified Gateway include wallet institutions, acquiring institutions, and financial infrastructures, which must meet specific criteria to participate [6]. - The Unified Gateway has already partnered with several domestic and international institutions, including China UnionPay and various wallet providers across Southeast Asia [6]. - Future plans include expanding the range of participating institutions and enhancing cross-border payment connectivity [6]. Group 4: User Experience and Security - The Unified Gateway allows for various transaction types, including both "merchant scanning" and "user scanning" modes, ensuring a seamless user experience [7]. - The system is designed to be secure, adhering to international standards for risk prevention and operational safety, including compliance with KYC and anti-money laundering regulations [8]. - It features a multi-center deployment strategy to ensure high availability and resilience against system failures [8].