2025跨境支付全球市场洞察报告

©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 2025騗㞯佅➰Ⰼ椕䋑㖞峯㻋䫣デ ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ➉妍兰䎽https://www.iyiou.com/researchCopyrightreservedtoEOIntelligence,April2025 CONTENTS 湡䔶 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 01 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 騗㞯佅➰涸〄㾝胜兞♸梡朐絾鶣 1.2騗㞯佅➰錞垷鍒區 1꨽宠䭯絯㟞Ɤ 1.3猰䪮⸈鸟騗㞯佅➰」ꬠ 02 务㕂騗㞯佅➰䋑㖞帿䏞ⴔ區 2.12➃騗字㞯䋏歏佅㉁➰䧭錞⚹垷倝鵶끮䎃⸓㟞⸂⸈ 03 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) Ⰼ椕騗㞯佅➰䋑㖞⼓㚖峯㻋 3.12䧭倝擿Ⱓ䋑㖞务繠⚎ծꬋ崍ծ⚎⽂❇ 04 騗㞯佅➰劢勻〄㾝馋⸷ CONTENTS 湡䔶 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 01騗㞯佅➰涸〄㾝胜兞♸梡朐絾鶣 12騗㞯佅➰꨽錞宠垷䭯鍒絯區㟞Ɤ1.3 猰䪮⸈鸟騗㞯佅➰」ꬠ 02 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 务㕂騗㞯佅➰䋑㖞帿䏞ⴔ區 2.12➃騗字㞯䋏歏佅㉁➰䧭錞⚹垷倝鵶끮䎃⸓㟞⸂⸈ 03 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) Ⰼ椕騗㞯佅➰䋑㖞⼓㚖峯㻋 3.12䧭倝擿Ⱓ䋑㖞务繠⚎ծꬋ崍ծ⚎⽂❇ 04 騗㞯佅➰劢勻〄㾝馋⸷ B畮館僒鵳ⴀ〡䚪괄䭯絯珘㹁㟞Ɤ ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 䧮♰㕂➉館繠僒⯋鵳㣐ⴀⰢ〡䚪⴯괄⾎㟞〷Ɤ倝珘넞务կぢ㥩䧭⚹氋䞔劍ꢂ㈔♧㹊梡館僒곡䊵涸㕂㹻կ餗暟ⴀ〡䚪괄鵶絯8䎃⥂䭯姻㟞Ɤ2024䎃剪⸉鵳ⴀ〡䚪괄껷妃瑲灶 ➉妍兰䎽2018-2024䧮㕂餗暟館僒鵳ⴀ〡䚪괄⿺㟞鸟 21.6% 39.1 42.1 41.8 43.9 30.5 31.6 32.2 9 3 - 2018 餗暟館僒鵳ⴀ〡䚪괄♰➉➃字䋏 2019 2020 2021 2022 ず嫱㟞Ɤ% 2023 2024 .7% 1.9% .4% 0.8% 7.6% 5.0% ➉妍兰䎽2018-2024䧮㕂剪⸉館僒鵳ⴀ〡䚪괄⿺㟞鸟 11.3% 16.2%12.8%6.57 9.9% 5.98 7.52 14.5% ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 5.24 5.42 5.3 ©亿欧智库-林业(398865) 4.56 -15.9% 3.4% 2018201920202021202220232024 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 剪⸉館僒鵳ⴀ〡䚪괄♰➉➃字䋏ず嫱㟞Ɤ% ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) C畮氋䞔た騗㞯康♸殆㷖꨽宠䛪㢕 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 䧮雦㕂ⴀ䊺Ⰶず㞯➃38プ⚡鴪㕂6㹻.1㹊➉遤➃⽀妃倰꬗ず⯝嫱皊♳ծ⼮♸432.69⚡%㕂㹻㢪㹊㕂梡➃Ⰼ64꬗88✽.2⯝♰皊➃霆妃ず䒸嫱㣐♳ꆀ⼮㢪82㕂.9➃%կⰦ务务㕂康⯝皊կⰆ㕂㞯㹻㢪獴㕂字➃盗2锐0㽷11〄.5♰䋒➃侨妃研ず20嫱24♳䎃⼮Ⰼ1㕂12〡.3䁘%稡կ ➉妍兰䎽2018-2022䧮㕂殆㷖➃侨⽀⡙♰➃ 66 70 66 45 52 2018 2019 2020 2021 2022 ➉妍兰䎽2023-2024Ⰼ㕂稡雦ⴀⰆ㞯➃プ⽀⡙♰➃妃 +43.9% 42400 61000 +82.9% 3548 6488 Ⰼ㕂稡雦ⴀⰆ㞯 20232024 㢪㕂➃ⴀⰆ㞯 2➃0侨23涸䎃䘯鸟䧮䛪㕂撑殆⛲㷖䌄欰⸓侨✫ꆀ騗㾀㞯Ⰼ殆椕㷖껷宨⡙妴涸⚹꨽繠宠ծ䲿薉⼮ծկ资ծ傈ծ倝ծ꯺瘝㕂㕂꣢㷖欰痦♧㣐勻彂㕂䧮㕂殆㷖館僒2023䎃䊺䛪撑荛氋䞔⵸宐䎂殆㷖 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) Ⰼ椕騗㞯佅➰錞垷䭯絯㟞Ɤ ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) Ⰼ32椕0♰騗.0㞯➉佅繠➰⯋䋑կ㖞䭯絯珘㹁的䓎2024䎃❜僒崨ꆀ䚪괄鴪194.6♰➉繠⯋2019-2024CAGR紨⚹9%곫雦ⵌ2032䎃㼜⟄6.4%㟞Ɤ錞垷鴪ⵌ ꨪ㞯㈒佅騗➰㞯遤佅⚌➰⚹3䋑9㖞.9♰赡➉搬繠⽑⯋䚪錞곫垷雦♶ⵌ2053%2䎃告㼜〄⚹㾝64⸷.5㣢♰䔂➉⸢繠կ⯋20䎃24撑䎃ざ侮㟞⡤Ɤ騗桧㞯⚹佅6➰.2䋑%㖞կ务䪠〄騗㞯佅➰涸䚪䋑㖞錞垷⚹154.7➉繠⯋ꨪ㈒騗 ➉妍兰䎽騗㞯佅➰䋑㖞❜僒錞垷⿺㟞Ɤ䞔ⲃ⽀⡙♰➉繠⯋ 320.0 C6A.4G%R CAGR9.0% 190.1 194.6 134.3 141.1 148.3 155.9 2019 2020 2021 2022 2023 2024˘˘2032E ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ➉妍兰䎽2024䎃ꨪ㈒騗㞯佅➰䋑㖞錞垷䭽鿈꡶够ⴔ 㣐13㘗.3♰⟱➉⚌繠㉁⯋ㅷ 务10㼭.5♰⟱➉⚌繠㉁⯋ㅷ C4.25B♰➉繠⯋ 㣐4.5㘗♰⟱➉⚌繠剪⯋⸉ 务3.3㼭♰⟱➉⚌繠剪⯋⸉ 2C C2繠.0⯋♰➉ 2C B1繠.9⯋♰➉ 騗㞯佅➰絕匬垷䒭务B2B⽑⚺崨㣐⟱⚌⚹錞垷呍䗱 Ⰼ⽑椕絟騗㼆㞯⚺佅㼋➰㖑䋑⡙㖞〄⽑㾝紨䚪錞ッ垷梡涸8♳0⼮%馋⸷B2C㟞⟄鸟B2鴽B⚹枡呍䗱곫雦⥂劢䭯勻珘Ⳝ㹁䎃㟞鸟鴪Ⱖⵌ1➭1ⴔ.1%鿈կ赡㟞鸟䘯告錞垷剣ꣳ劢勻〳腊䧭⚹倝Ⱓ㟞Ɤ挿կⰦ务B2B ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) B2B騗㞯佅➰务㣐㘗⟱⚌錞垷鵂⼱㟞鸟珘㹁կ㖈餗暟ㄤ剪⸉⛓ꢂ眎ⴔ傞劢勻8䎃剪⸉湱㼆㟞鸟刿䘯곫雦CAGR鴪ⵌ6.6%餗暟⚹5.7% 50 25 0 B2C 錞垷 곫雦CAGR $1.9♰➉ 11.1% 50 25 0 B2B 錞垷 곫雦CAGR $31.6♰➉ 5.9% C5A.6G%R 务㼭13⟱.8⚌ 44% 㣐㘗17⟱.8⚌ 56% ➉䭽妍⟱兰⚌䎽碫㘗202⽀4䎃⡙B2B♰絈➉ⴔ繠錞⯋垷 201260128020 2022 20220426F 202280F30F 2032F 20126018 20220022 20220426F 202280F30F 2032F ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) C6A.2G%R 50 25 0 C2C 錞垷 곫雦CAGR $2.0♰➉ 5.9% 50 25 0 C2B 錞垷 곫雦CAGR $4.5♰➉ 7.4% 3.310.5 13.3 4.5 剪⸉餗暟 201260128020 2022 20220426F 202280F30F 2032F 201260128020 2022 20220426F 202280F30F 2032F ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 务㼭⟱⚌㣐㘗⟱⚌ 䪮助餻腊匬䒊Ⰼ椕騗㞯佅➰倝欰䙖 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 㖈⻊⼓ծ㗌㖞Ꝇ兞ծ⻊✻剪雦⸉皾㼜♸䧭㣐⚹侨⚺研崨瘝⵸⟄屠忘䪮駈助㢴餻⯋腊遤♴⚌꨽騗宠㞯佅匬➰䒊涸刿佪䒓桧佞♸ծ㸝넞Ⰼ佪䚍ծ㼜兜㹊䟃梡涸餘騗涸㞯굷佅駟➰կ倝侨欰㶶䙖餗կ䋏涸䄕饰剣劅ꅾ㝕騗㞯絕皾⡤禹կ劢勻㹁ⵖ CBDC♸騗㞯歏㉁Ⱓ饰 ➉妍兰䎽Ⰼ椕騗㞯佅➰封㾝⾎玐 挿剣悶⸂鍒Ɀ騗㞯佅➰务涸佪桧ㄤ䧭劥꡼곿 •㢴⚡㕂㹻䲀ⴀ㣛遤侨㶶餗䋏CBDC㥵务㕂涸侨㶶➃字䋏ծ叐㚅㻠Bakong瘝կCBDCⰨ剣넞佪ծ鷳僈⚂〳鷅彷涸暵 •兰腊䩛纸涸兜⿺䲀⸓✫獴⸓佅➰涸封㾝歏㶩꛸⺫鵳Ⰶ䘯鸟封㾝劍 •歏㉁倝垷䒭♶倗嶑梡湬乄䌄餗㖈㢴⚡䋑㖞Ⱓ渿䧭⚹騗㞯歏㉁涸ꅾ銳崨ꆀⰆ〡ㄤꝈ㈒庈麤䌄勻騗㞯佅➰倝涸㟞Ɤ挿歏㶩꛸⺫♸贞䬾餗䋏涸䎾欽 ⥌欽⼦䧭⚹騗㞯佅➰涸⚺㼋⸂ꆀ •嫱ㄤ暵㕂䋏㹻ծ鴝⟄歲㣖涸䋏ꣳ瘝ⵖ贞䬾餗䋏⚹騗㞯佅➰䲿⣘✫♧猫Ⰼ倝涸⿡务䗱⻊佅➰垷䒭♶「⠛絡ꆄ輑纸匬 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) SWIFT禹絡䕎䧭 •⥌絞欽㖈⼦Ⰼ㖈椕騗薴㞯㔵佅ⰻ➰兜务⿺涸⽑䧭嫱⚹♶騗倗㞯䲿佅넞➰⚺Vis倰aծ䒭Mastercard瘝㕂꣢⥌欽⼦緸 ⟝去剏⠛絡紺餘⽀霆⚹騗㞯佅➰䌄勻ꬠㄐ䚍鲮」 •20⚆紬60䎃去歏㶩侨研❜䰃䪮助EDI꡼⚆歏㶩俒 SWIFT䧭用 •1973䎃㛇✵EDI涸䪮助㛇炄㕂꣢Ꜿ遤ꢂꆄ輑鸑⥌⼸⠔ •1984䎃务㕂⸈ⰆSWIFT •紺䋏梡ꆄ幡皾 •餥ꆄ㾩幡皾 ©亿欧智库-林业(398865) •紺餘鲮餖幡皾 傍劍騗㞯佅➰ 歏㶩鲮餖騗㞯佅➰ 痦♲倰騗㞯佅➰ ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 20⚆紬50䎃去⵸20⚆紬60~80䎃去1990~2000䎃去2010~2020䎃去2020䎃去荛➚ 猰䪮⸈鸟騗㞯佅➰垷䒭鶛➿⼮紩 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) Ⰼ騗椕㞯騗佅㞯➰佅涸➰⤑䋑䰦㖞䚍㖈ծ筛㸝瘻Ⰼ♸䚍䋑ㄤ㖞佪⿽桧鲰䚍䲿끮⸓ⴀ♴刿〄넞㾝銳宠RCEP⼸㹁欰佪⚹騗㞯佅➰劼匬䌄勻倝劼麁ず傞字蠒⟱⚌㖈鵳ⴀ〡䋑㖞务涸⚺⡤㖑⡙⳼儑㼆 2023䎃Ⰼ椕佅➰佐Ⰶ䭽碫㘗ㄤ⼓㚖ⴔ碫儑爙㉁⚌佅➰⽑⚺㼋♶ず㖑⼓ㄤ佅➰碫㘗佐Ⰶ䊵䒗僈儑騗㞯佅➰䋑㖞⵸兞䎛ꢢկ ➰妴倰䒓䨪遤 ⠛絡去椚遤垷䒭 ➰妴倰去椚遤佐妴倰去椚遤佐妴倰䒓䨪遤 㼜䔲珘㖑㹁餗䋏䋏⯣絕䰃皾䧭 ➰妴倰 ➰妴纸匬 㛇✵DLT涸❜僒 ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) 侨㶶餴❡❜䰃佐妴纸匬 ©亿欧智库-林业(398865) 侨㶶佅➰䎂〵 佐妴㹊倰傞ꜾⰆ遤餖⼦ 佐妴倰 䭽䔲⵸宨桧䫔䎂皾〵䧭㉁䨪껷鷥餗䋏 䲀鷐(Pushtocards)佅➰ ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ©亿欧智库-林业(398865) ➰妴纸匬Ꜿ遤⼦緸絞佐妴纸匬 CBDC㣛遤侨㶶餗䋏㖈Ⰼ椕䲀遤 㹊傞佅➰㛇炄霃倶兜麑⻊կ2025䎃SWIFT瘝絆絉剣倝⸓⡲㢴㕂㣛遤㖈騗㞯佅➰㛇炄霃倶䒊霃ㄤCBDC고湡♳剣♶ず玐䏞涸䲀鵳կ DigitalNetwork 侨〵㶶佅➃➰字䋏侨僽㶶➃字䋏佅侨➰㶶♶⻊絑䕎鵂䙖痦♲կ湱倰嫱䎂곥 ➃字䋏 侨㶶 侨㶶➃字䋏涸霚挿고湡㼜㖈2025䎃Ⰼ꬗䲀鵳 㹐鲮䞔ⲃ餖♴瘝乼侨⡲㶶梠➃蒜字务䋏僽鵮⯝佅餩䭯涸猌կ絁㖈佅尵➰剣կ䲿緸梡絞ծ涸 e-CNY 暵欽㖞ⵆ兞僽ㄤ㖈欰♳䙖嵳⡤瘝禹㖑կ⼓곫雦㼜䕎䧭䎛岌涸䎾 ©亿欧智库-林业(398