BRICS Pay Explained: How the Digital Platform Delivers the Unit to Your Phone

The revolution isn't just in what we use for money, but how we move it. BRICS Pay is the revolutionary mobile infrastructure that makes the Unit accessible to everyone, from high-frequency traders to village merchants.

The Technical Bridge: UPI and CIPS

BRICS Pay doesn't seek to replace local systems; it links them.

• UPI (India): Provides the mobile front-end and instant rail.
• CIPS (China): Offers the robust cross-border clearing house.
• BRICS Pay Layer: Acts as the translation layer, converting local currency into Units and back instantly.

The 3-Step Payment Process

1. Scan: The merchant presents a BRICS Pay QR code.
2. Convert: The app shows the price in the local currency and the equivalent BRICS Unit.
3. Settle: The Unit is transferred instantly via blockchain, with finality reached in seconds, not days.