Aperta项目：通过开放金融互操作性实现跨境互联互通

Project Aperta Conclusions from a collaboration withcentral banks, regulators, internationalorganisations and academia Enabling cross-border interconnectivitythrough open finance interoperability Conclusions from a collaboration with Hong Kong Monetary Authority (HKMA),Banco Central do Brasil (BCB), Central Bank of the United Arab Emirates (CBUAE),and the Financial Conduct Authority of the United Kingdom (FCA) – including Global Legal Entity Identifier Foundation (GLEIF), the International Chamberof Commerce Digital Standards Initiative (ICC DSI), and the Hong Kong This publication is available at bis.orgPublication date: May 2026 Contents 2.3 Actors in Aperta and how they benefit2.4 The focus of the prototype: the two implemented use cases Glossary, acronyms and initialisms Executive summary 1.The benefits of linking open finance networks 3.Technology considerations for Aperta 3.1 Key takeaways3.2 Architectural options and decisions3.3 Evaluating the options3.4 Testing Aperta – How Aperta works in practice 1.1 Key takeaways1.2 The challenges of operating across borders1.3 The relevance of open finance1.4 Opportunities from open finance interoperability 4.Outcomes 4.1 Simplifying the complexities of cross-border data flow4.2 Possible roadmap for further development 2.How Aperta works 2.1 Key takeaways2.2 Aperta’s interoperability approach: the network of networks Contributors and acknowledgments Appendices A. Technology design principles and decisionsB. Project Aperta: Beyond the technical proof of concept prototype References Executivesummary The impetus behind Project Aperta its own framework, thereby informingfuture policy choices on interoperability,trust, resilience, governance and access. concept, Project Apertaexplores the feasibility andpotential benefits of cross- In today’s global economy, people, goods andservices move across borders relatively easily,but cross-border finance remains a challenge. Project Aperta’s novelty Project Aperta, launched by the BIS, is aproof of concept “network of networks”for open finance: rather than requiringcountries to negotiate separate bilaterallinkages, Aperta tests a neutralmultilateral interoperability layer thatcan securely connect existing domesticopen finance networks and enable thecross-border exchange of financial dataand the cross-border initiation ofpayments. The experiment specificallyexplored whether registeredparticipants in one jurisdiction could bediscovered and trusted across borders,whether data using technical standards Despite the benefits that domesticopen finance frameworks bring, movingfinancial data and using APIs acrossborders remains difficult. Technicalstandards, infrastructure, regulation andgovernance differ between these open financial data across jurisdictions,including information about identity,accounts and credit histories.Differences in technical standards and Indeed, Project Aperta demonstrateshow cross-border interconnectivity ofopen finance networks can supportobjectives that matter to central banks.These include overall safer and moreresilient cross-border financial services,greater efficiency in payment systemsand enhanced financial stability through connect frameworks, they are rare,complex to establish and difficult toscale. As a result, individuals andbusinesses frequently encounterTo address these challenges in adomestic context, standardised technicalinterfaces (so called application repeated manual checks, duplicateddocument submissions and lengthyonboarding processes. This limits theiraccess to overseas accounts, credit andtrade finance.The next evolution of openprogramming interfaces, or APIs1) weredeveloped to support these data flowsthrough open banking and open finance2frameworks. These frameworks whichallow individuals and businesses toconsent to sharing their financial data orto initiate services such as payments finance could come frombridging domestic openfinance networks, enablinginterconnectivity across Project Aperta is designed as anexperimental initiative, with SMEbanking and trade finance serving asconcrete test cases for the prototype.Its relevance for central banks and otherpublic authorities lies in testing whether Project Aperta is the firstpublic authority initiative toprototype and test the real-time international portabilityof financial and payment Through this process, the projectidentified approaches that reducedcomplexity for participants whilepreserving domestic rules andarrangements. These findings areimportant because they demonstrate committee, which is responsible forsetting Project Aperta’s strategicdirection and making decisions byconsensus (see Box 1). Project Apertaalso had observing members who wereinvited quarterly to share project 8project participants 18observing members(central banks, standard setters 21testing organisations Aperta is a cross-border project withparticipants from around the world. TheBISIH collaborated with Hong KongMonetary