{"id":18128,"date":"2024-12-24T02:00:00","date_gmt":"2024-12-23T22:30:00","guid":{"rendered":"https:\/\/hamiya.shop\/jurnal\/?p=18128"},"modified":"2025-01-29T18:48:38","modified_gmt":"2025-01-29T15:18:38","slug":"the-future-of-international-payments-with-dlt","status":"publish","type":"post","link":"https:\/\/hamiya.shop\/jurnal\/the-future-of-international-payments-with-dlt\/","title":{"rendered":"\u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0627 \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0648 DLT"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0627\u0645\u0631\u0648\u0632 \u06a9\u0647 \u0645\u0631\u0632\u0647\u0627\u06cc \u062c\u063a\u0631\u0627\u0641\u06cc\u0627\u06cc\u06cc \u062f\u06cc\u06af\u0631 \u0645\u0627\u0646\u0639\u06cc \u0628\u0631 \u0633\u0631 \u0631\u0627\u0647 \u0627\u0631\u062a\u0628\u0627\u0637\u0627\u062a \u0648 \u062a\u062c\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u062d\u0633\u0648\u0628 \u0646\u0645\u06cc\u200c\u0634\u0648\u0646\u062f\u060c \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u06a9\u0627\u0631\u0622\u0645\u062f \u0648 \u0627\u06cc\u0645\u0646 \u0628\u06cc\u0634 \u0627\u0632 \u0647\u0631 \u0632\u0645\u0627\u0646 \u062f\u06cc\u06af\u0631\u06cc \u0627\u062d\u0633\u0627\u0633 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u0645\u0627 \u0645\u0634\u06a9\u0644\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0627\u0632 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627 \u062a\u0627 \u0632\u0645\u0627\u0646\u200c\u0628\u0631 \u0628\u0648\u062f\u0646 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627 \u0648 \u062a\u0639\u062f\u062f \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u060c \u0647\u0645\u0686\u0646\u0627\u0646 \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc \u067e\u06cc\u0634 \u0631\u0648\u06cc \u0627\u06cc\u0646 \u0645\u0633\u06cc\u0631 \u0627\u0633\u062a. \u0638\u0647\u0648\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u067e\u06cc\u0634\u0631\u0641\u062a\u0647\u200c\u0627\u06cc \u0686\u0648\u0646 \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u0646\u0648\u06cc\u062f\u0628\u062e\u0634 \u062a\u062d\u0648\u0644\u06cc \u0634\u06af\u0631\u0641 \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0648\u0632\u0647 \u0647\u0633\u062a\u0646\u062f. \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u060c \u0628\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0634\u0641\u0627\u0641\u06cc\u062a\u060c \u06a9\u0627\u0647\u0634 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u062a\u0633\u0631\u06cc\u0639 \u0686\u0634\u0645\u06af\u06cc\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u060c \u062a\u0648\u0627\u0646\u0633\u062a\u0647\u200c\u0627\u0646\u062f \u0627\u0641\u0642\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f\u06cc \u0631\u0627 \u062f\u0631 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u06af\u0634\u0627\u06cc\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0627\u06cc\u0646 \u0646\u0648\u0634\u062a\u0627\u0631\u060c \u0636\u0645\u0646 \u0645\u0639\u0631\u0641\u06cc \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647\u060c \u062a\u0623\u062b\u06cc\u0631\u0627\u062a \u0622\u0646\u200c\u0647\u0627 \u0631\u0627 \u0628\u0631 \u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f\u0647 \u0648 \u0628\u0647 \u0631\u0648\u0634\u0646\u06cc \u062a\u0628\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645 \u06a9\u0647 \u0686\u06af\u0648\u0646\u0647 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0648 DLT \u0628\u0647 \u06a9\u0627\u0647\u0634 \u067e\u06cc\u0686\u06cc\u062f\u06af\u06cc\u200c\u0647\u0627 \u0648 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0627\u0645\u0646\u06cc\u062a \u062f\u0631 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u062c\u0647\u0627\u0646\u06cc \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0628\u0627 <a href=\"https:\/\/hamiya.shop\/jurnal\/\">\u0647\u0627\u0645\u06cc\u0627 \u0698\u0648\u0631\u0646\u0627\u0644<\/a> \u0647\u0645\u0631\u0627\u0647 \u0628\u0627\u0634\u06cc\u062f \u062a\u0627 \u0646\u06af\u0627\u0647\u06cc \u0628\u0647 \u0641\u0631\u0635\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u200c\u0646\u0638\u06cc\u0631\u06cc \u0628\u06cc\u0646\u062f\u0627\u0632\u06cc\u0645 \u06a9\u0647 \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc \u0627\u0642\u062a\u0635\u0627\u062f \u062c\u0647\u0627\u0646\u06cc \u0628\u0647 \u0627\u0631\u0645\u063a\u0627\u0646 \u0622\u0648\u0631\u062f\u0647\u200c\u0627\u0646\u062f \u0648 \u0686\u0634\u0645\u200c\u0627\u0646\u062f\u0627\u0632 \u062c\u062f\u06cc\u062f\u06cc \u0631\u0627 \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0641\u0631\u0627\u0645\u0631\u0632\u06cc \u067e\u06cc\u0634 \u0631\u0648\u06cc \u0645\u0627 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u0646\u062f.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents toc\"><h2><strong>\u0641\u0647\u0631\u0633\u062a \u0645\u0637\u0627\u0644\u0628<\/strong><\/h2><ul><li><a href=\"#h-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"2\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646 \u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><li><a href=\"#h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u062f\u0641\u062a\u0631-\u06a9\u0644-\u062a\u0648\u0632\u06cc\u0639-\u0634\u062f\u0647-dlt\" data-level=\"2\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT)<\/a><ul><li><a href=\"#h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u062f\u0641\u062a\u0631-\u06a9\u0644-\u062a\u0648\u0632\u06cc\u0639-\u0634\u062f\u0647-dlt-\u062f\u0631-\u062d\u0648\u0632\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"3\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><\/ul><\/li><li><a href=\"#h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u0628\u0644\u0627\u06a9-\u0686\u06cc\u0646\" data-level=\"2\">\u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646<\/a><ul><li><a href=\"#h-\u06a9\u0627\u0631\u0628\u0631\u062f-\u0641\u0646\u0627\u0648\u0631\u06cc-\u0628\u0644\u0627\u06a9-\u0686\u06cc\u0646-\u062f\u0631-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"3\">\u06a9\u0627\u0631\u0628\u0631\u062f \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u062f\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><\/ul><\/li><li><a href=\"#h-\u0648\u0636\u0639\u06cc\u062a-\u06a9\u0646\u0648\u0646\u06cc-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"2\">\u0648\u0636\u0639\u06cc\u062a \u06a9\u0646\u0648\u0646\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><li><a href=\"#h-\u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646-\u0646\u0648\u0638\u0647\u0648\u0631-\u062f\u0631-\u0639\u0631\u0635\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"2\">\u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u0646\u0648\u0638\u0647\u0648\u0631 \u062f\u0631 \u0639\u0631\u0635\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><li><a href=\"#h-\u0686\u0634\u0645-\u0627\u0646\u062f\u0627\u0632-\u0622\u06cc\u0646\u062f\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\" data-level=\"2\">\u0686\u0634\u0645\u200c\u0627\u0646\u062f\u0627\u0632 \u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/a><\/li><li><a href=\"#h-\u062c\u0645\u0639-\u0628\u0646\u062f\u06cc-\u0648-\u0646\u062a\u06cc\u062c\u0647-\u06af\u06cc\u0631\u06cc\" data-level=\"2\">\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc \u0648 \u0646\u062a\u06cc\u062c\u0647\u200c\u06af\u06cc\u0631\u06cc<\/a><\/li><li><a href=\"#h-\u0633\u0648\u0627\u0644\u0627\u062a-\u0645\u062a\u062f\u0627\u0648\u0644\" data-level=\"2\">\u0633\u0648\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<\/a><\/li><\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u062a\u062d\u0648\u0644\u0627\u062a \u0634\u06af\u0631\u0641 \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0645\u0631\u0647\u0648\u0646 \u0638\u0647\u0648\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u06cc\u0646\u06cc \u0686\u0648\u0646 <a href=\"https:\/\/hamiya.shop\/jurnal\/introduction-to-distributed-ledger-technology\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639\u200c\u0634\u062f\u0647 (DLT)<\/a> \u0648 <a href=\"https:\/\/hamiya.shop\/jurnal\/what-is-blockchain\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646<\/a> \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647\u060c \u0636\u0645\u0646 \u0645\u062a\u062d\u0648\u0644 \u0633\u0627\u062e\u062a\u0646 \u0634\u06cc\u0648\u0647 \u0627\u0646\u062c\u0627\u0645 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u062c\u0647\u0627\u0646\u06cc\u060c \u0645\u0646\u062c\u0631 \u0628\u0647 \u06a9\u0627\u0647\u0634 \u0686\u0634\u0645\u06af\u06cc\u0631 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u0622\u0646 \u0634\u062f\u0647\u200c\u0627\u0646\u062f. \u0627\u0632 \u062c\u0645\u0644\u0647 \u0645\u0632\u0627\u06cc\u0627\u06cc \u0628\u0627\u0631\u0632 \u0627\u06cc\u0646 \u062a\u062d\u0648\u0644\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u062a\u0633\u0631\u06cc\u0639 \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0648 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0634\u0641\u0627\u0641\u06cc\u062a \u062f\u0631 \u06a9\u0644\u06cc\u0647 \u0645\u0631\u0627\u062d\u0644 \u062a\u0631\u0627\u06a9\u0646\u0634 \u0627\u0634\u0627\u0631\u0647 \u0646\u0645\u0648\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0646\u0648\u0634\u062a\u0627\u0631\u060c \u0628\u0631 \u0622\u0646\u06cc\u0645 \u062a\u0627 \u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u0628\u062a\u0646\u06cc \u0628\u0631 \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f\u0647 \u0648 \u062a\u0623\u062b\u06cc\u0631\u0627\u062a \u0622\u0646 \u0631\u0627 \u0628\u0631 \u062a\u062c\u0631\u0628\u0647 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u062a\u0628\u06cc\u06cc\u0646 \u0646\u0645\u0627\u06cc\u06cc\u0645.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646 \u0627\u0644\u0645\u0644\u0644\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0641\u0631\u0622\u06cc\u0646\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0637\u06cc \u0622\u0646 \u0645\u0628\u0627\u062f\u0644\u0647 \u0627\u0631\u0632 \u0628\u06cc\u0646 \u0627\u0634\u062e\u0627\u0635 \u062d\u0642\u06cc\u0642\u06cc \u06cc\u0627 \u062d\u0642\u0648\u0642\u06cc \u0645\u0642\u06cc\u0645 \u062f\u0631 \u06a9\u0634\u0648\u0631\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u062f\u0631 \u0633\u0631\u062a\u0627\u0633\u0631 \u062c\u0647\u0627\u0646 \u0635\u0648\u0631\u062a \u0645\u06cc\u200c\u067e\u0630\u06cc\u0631\u062f. \u0627\u06cc\u0646 \u0639\u0645\u0644\u06cc\u0627\u062a \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0627 \u062a\u0633\u0647\u06cc\u0644\u0627\u062a \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u06cc\u0627 \u0645\u0648\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u06cc \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f. \u062f\u0631 \u06af\u0630\u0634\u062a\u0647\u060c \u0627\u06cc\u0646 \u0646\u0648\u0639 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0628\u0627 \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc\u06cc \u0647\u0645\u0686\u0648\u0646 \u06a9\u0646\u062f\u06cc \u0641\u0631\u0622\u06cc\u0646\u062f\u060c \u062a\u0639\u062f\u062f \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u060c \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627 \u0648 \u0637\u0648\u0644\u0627\u0646\u06cc \u0634\u062f\u0646 \u0632\u0645\u0627\u0646 \u067e\u0631\u062f\u0627\u0632\u0634 \u0645\u0648\u0627\u062c\u0647 \u0628\u0648\u062f\u0647\u200c\u0627\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0627 \u06af\u0633\u062a\u0631\u0634 \u0631\u0648\u0632\u0627\u0641\u0632\u0648\u0646 \u067e\u062f\u06cc\u062f\u0647 \u062c\u0647\u0627\u0646\u06cc \u0634\u062f\u0646\u060c \u062a\u0642\u0627\u0636\u0627 \u0628\u0631\u0627\u06cc \u0631\u0627\u0647\u200c\u062d\u0644\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0627\u0645\u06a9\u0627\u0646 \u0627\u0646\u062c\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0628\u0627 \u0633\u0631\u0639\u062a \u0648 \u0647\u0632\u06cc\u0646\u0647 \u06a9\u0645\u062a\u0631 \u0641\u0631\u0627\u0647\u0645 \u0622\u0648\u0631\u0646\u062f\u060c \u0628\u0647 \u0637\u0648\u0631 \u0686\u0634\u0645\u06af\u06cc\u0631\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u06cc\u0627\u0641\u062a\u0647 \u0627\u0633\u062a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0645\u062b\u0627\u0644\u06cc \u0645\u0644\u0645\u0648\u0633\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u062f\u0631 \u0627\u06cc\u0627\u0644\u0627\u062a \u0645\u062a\u062d\u062f\u0647 \u0627\u0634\u0627\u0631\u0647 \u06a9\u0631\u062f \u06a9\u0647 \u0645\u062d\u0635\u0648\u0644\u0627\u062a \u0635\u0646\u0627\u06cc\u0639 \u062f\u0633\u062a\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0622\u0646\u0644\u0627\u06cc\u0646 \u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0633\u0631\u0627\u0633\u0631 \u062c\u0647\u0627\u0646 \u0639\u0631\u0636\u0647 \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0627\u0631\u0648\u067e\u0627\u06cc\u06cc \u06a9\u0647 \u0642\u0635\u062f \u062e\u0631\u06cc\u062f \u0686\u0646\u062f\u06cc\u0646 \u0645\u062d\u0635\u0648\u0644 \u0631\u0627 \u062f\u0627\u0631\u0646\u062f\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u06a9\u0627\u0631\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062e\u0648\u062f\u060c \u0627\u0642\u062f\u0627\u0645 \u0628\u0647 \u0627\u0646\u062c\u0627\u0645 \u06cc\u06a9 \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0646\u0645\u0627\u06cc\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0634\u0627\u0645\u0644 \u0645\u0631\u0627\u062d\u0644 \u0632\u06cc\u0631 \u0627\u0633\u062a:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0622\u063a\u0627\u0632 \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a:<\/strong> \u0645\u0634\u062a\u0631\u06cc \u0628\u0627 \u0648\u0627\u0631\u062f \u0646\u0645\u0648\u062f\u0646 \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u06a9\u0627\u0631\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062e\u0648\u062f \u062f\u0631 \u0648\u0628\u0633\u0627\u06cc\u062a \u0641\u0631\u0648\u0634\u0646\u062f\u0647\u060c \u0646\u062e\u0633\u062a\u06cc\u0646 \u06af\u0627\u0645 \u0631\u0627 \u062f\u0631 \u0627\u0646\u062c\u0627\u0645 \u062a\u0631\u0627\u06a9\u0646\u0634 \u0628\u0631\u0645\u06cc\u200c\u062f\u0627\u0631\u062f.<\/li>\n\n\n\n<li><strong>\u062a\u0628\u062f\u06cc\u0644 \u0627\u0631\u0632:<\/strong> \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0631\u062d\u0644\u0647\u060c \u067e\u0631\u062f\u0627\u0632\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u0642\u062f\u0627\u0645 \u0628\u0647 \u062a\u0628\u062f\u06cc\u0644 \u0627\u0631\u0632 \u0645\u0648\u0631\u062f \u0646\u0638\u0631 (\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0645\u062b\u0627\u0644\u060c \u06cc\u0648\u0631\u0648 \u0628\u0647 \u062f\u0644\u0627\u0631) \u0628\u0627 \u0646\u0631\u062e \u0627\u0631\u0632 \u0644\u062d\u0638\u0647\u200c\u0627\u06cc \u0628\u0627\u0632\u0627\u0631 \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u062f.<\/li>\n\n\n\n<li><strong>\u0639\u0628\u0648\u0631 \u0627\u0632 \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc:<\/strong> \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u0631\u0627\u06cc \u062a\u0633\u0647\u06cc\u0644 \u0641\u0631\u0622\u06cc\u0646\u062f \u062a\u0631\u0627\u06a9\u0646\u0634\u060c \u0627\u0632 \u0686\u0646\u062f\u06cc\u0646 \u0628\u0627\u0646\u06a9 \u0648 \u0645\u0648\u0633\u0633\u0647 \u0645\u0627\u0644\u06cc \u0639\u0628\u0648\u0631 \u06a9\u0631\u062f\u0647 \u0648 \u062f\u0631 \u0647\u0631 \u0645\u0631\u062d\u0644\u0647\u060c \u0645\u0631\u0627\u062d\u0644 \u062a\u0623\u06cc\u06cc\u062f \u0648 \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n\n\n\n<li><strong>\u062a\u0633\u0648\u06cc\u0647 \u062d\u0633\u0627\u0628:<\/strong> \u067e\u0633 \u0627\u0632 \u0637\u06cc \u0645\u0631\u0627\u062d\u0644 \u062a\u0623\u06cc\u06cc\u062f \u0648 \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc\u060c \u0648\u062c\u0648\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0634\u062f\u0647 \u0628\u0647 \u062d\u0633\u0627\u0628 \u062a\u062c\u0627\u0631\u06cc \u0641\u0631\u0648\u0634\u0646\u062f\u0647 \u0645\u0646\u062a\u0642\u0644 \u0634\u062f\u0647 \u0648 \u0641\u0631\u0622\u06cc\u0646\u062f \u062a\u0633\u0648\u06cc\u0647 \u062d\u0633\u0627\u0628 \u062a\u06a9\u0645\u06cc\u0644 \u0645\u06cc\u200c\u06af\u0631\u062f\u062f. \u0634\u0627\u06cc\u0627\u0646 \u0630\u06a9\u0631 \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0631\u062d\u0644\u0647\u060c \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u062a\u0631\u0627\u06a9\u0646\u0634 \u0627\u0632 \u0645\u0628\u0644\u063a \u067e\u0631\u062f\u0627\u062e\u062a \u0634\u062f\u0647 \u06a9\u0633\u0631 \u0645\u06cc\u200c\u06af\u0631\u062f\u062f.<\/li>\n\n\n\n<li><strong>\u062a\u0627\u06cc\u06cc\u062f\u06cc\u0647 \u062a\u0631\u0627\u06a9\u0646\u0634: <\/strong>\u062f\u0631 \u0646\u0647\u0627\u06cc\u062a\u060c \u0647\u0631 \u062f\u0648 \u0637\u0631\u0641 \u0645\u0639\u0627\u0645\u0644\u0647 \u06cc\u0639\u0646\u06cc \u0645\u0634\u062a\u0631\u06cc \u0648 \u0641\u0631\u0648\u0634\u0646\u062f\u0647\u060c \u06cc\u06a9 \u062a\u0623\u06cc\u06cc\u062f\u06cc\u0647 \u0627\u0644\u06a9\u062a\u0631\u0648\u0646\u06cc\u06a9\u06cc \u0645\u0628\u0646\u06cc \u0628\u0631 \u062a\u06a9\u0645\u06cc\u0644 \u0645\u0648\u0641\u0642\u06cc\u062a\u200c\u0622\u0645\u06cc\u0632 \u062a\u0631\u0627\u06a9\u0646\u0634 \u062f\u0631\u06cc\u0627\u0641\u062a \u062e\u0648\u0627\u0647\u0646\u062f \u0646\u0645\u0648\u062f.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u0647\u0645\u0627\u0646\u200c\u06af\u0648\u0646\u0647 \u06a9\u0647 \u062f\u0631 \u0645\u0631\u0627\u062d\u0644 \u0641\u0648\u0642 \u0645\u0634\u0627\u0647\u062f\u0647 \u0634\u062f\u060c \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u062f\u0631 \u0645\u0642\u0627\u06cc\u0633\u0647 \u0628\u0627 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u062f\u0627\u062e\u0644\u06cc\u060c \u0627\u0632 \u067e\u06cc\u0686\u06cc\u062f\u06af\u06cc \u0628\u06cc\u0634\u062a\u0631\u06cc \u0628\u0631\u062e\u0648\u0631\u062f\u0627\u0631 \u0628\u0648\u062f\u0647 \u0648 \u0634\u0627\u0645\u0644 \u0639\u0648\u0627\u0645\u0644 \u0645\u062a\u0639\u062f\u062f\u06cc \u0647\u0645\u0686\u0648\u0646 \u0645\u0634\u0627\u0631\u06a9\u062a \u0686\u0646\u062f\u06cc\u0646 \u0646\u0647\u0627\u062f \u0645\u0627\u0644\u06cc\u060c \u0641\u0631\u0622\u06cc\u0646\u062f \u062a\u0628\u062f\u06cc\u0644 \u0627\u0631\u0632 \u0648 \u0627\u0639\u0645\u0627\u0644 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u0645\u06cc\u200c\u0628\u0627\u0634\u0646\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u062f\u0641\u062a\u0631-\u06a9\u0644-\u062a\u0648\u0632\u06cc\u0639-\u0634\u062f\u0647-dlt\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u06cc\u06a9 \u0633\u0627\u0645\u0627\u0646\u0647 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u06cc \u0646\u0648\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0628\u0647 \u0645\u0646\u0638\u0648\u0631 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0634\u0641\u0627\u0641\u06cc\u062a \u0648 \u0627\u0645\u0646\u06cc\u062a \u062f\u0631 \u062b\u0628\u062a \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0637\u0631\u0627\u062d\u06cc \u0634\u062f\u0647 \u0627\u0633\u062a. \u0628\u0631 \u062e\u0644\u0627\u0641 \u067e\u0627\u06cc\u06af\u0627\u0647\u200c\u0647\u0627\u06cc \u062f\u0627\u062f\u0647 \u0645\u062a\u0645\u0631\u06a9\u0632 \u0633\u0646\u062a\u06cc \u06a9\u0647 \u062a\u062d\u062a \u0645\u062f\u06cc\u0631\u06cc\u062a \u06cc\u06a9 \u0645\u0631\u062c\u0639 \u0648\u0627\u062d\u062f \u0642\u0631\u0627\u0631 \u062f\u0627\u0631\u0646\u062f\u060c DLT \u0628\u0631 \u0645\u0628\u0646\u0627\u06cc \u06cc\u06a9 \u0634\u0628\u06a9\u0647 \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u0627\u0633\u062a\u0648\u0627\u0631 \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0622\u0646 \u06a9\u0644\u06cc\u0647 \u0645\u0634\u0627\u0631\u06a9\u062a\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0642\u0627\u062f\u0631 \u0628\u0647 \u062f\u0633\u062a\u0631\u0633\u06cc \u0647\u0645\u0632\u0645\u0627\u0646 \u0648 \u062a\u0623\u06cc\u06cc\u062f \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062b\u0628\u062a \u0634\u062f\u0647 \u0645\u06cc\u200c\u0628\u0627\u0634\u0646\u062f.<\/p>\n\n\n\n<div class=\"wp-block-cover has-white-color has-text-color has-link-color wp-elements-da3292b88dde02bf58960c136bfdfd84\" style=\"min-height:110px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" class=\"wp-block-cover__image-background wp-image-17571\" alt=\"\u062a\u0645\u0631\u06a9\u0632\u0632\u062f\u0627\u06cc\u06cc\" src=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy.webp\" style=\"object-position:61% 44%\" data-object-fit=\"cover\" data-object-position=\"61% 44%\" srcset=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy.webp 1920w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy-300x200.webp 300w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy-768x512.webp 768w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy-1024x683.webp 1024w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy-1536x1024.webp 1536w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/Main-jurnal-copy-1320x880.webp 1320w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\"><a href=\"https:\/\/hamiya.shop\/jurnal\/future-effects-of-blockchain-on-decentralization\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0645\u0631\u06a9\u0632\u0632\u062f\u0627\u06cc\u06cc \u0648 \u0628\u0644\u0627\u06a9\u0686\u06cc\u0646: \u0627\u0646\u0642\u0644\u0627\u0628\u06cc \u062f\u0631 \u0633\u0627\u062e\u062a\u0627\u0631\u0647\u0627\u06cc \u0642\u062f\u0631\u062a \u0648 \u0627\u0642\u062a\u0635\u0627\u062f<\/a><\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u0648\u06cc\u0698\u06af\u06cc\u060c \u0628\u0647 \u0648\u06cc\u0698\u0647 \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0627\u0632 \u0627\u0647\u0645\u06cc\u062a \u0628\u0627\u0644\u0627\u06cc\u06cc \u0628\u0631\u062e\u0648\u0631\u062f\u0627\u0631 \u0627\u0633\u062a\u061b \u0686\u0631\u0627 \u06a9\u0647 \u0628\u0627 \u0633\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a \u0648 \u0627\u06cc\u062c\u0627\u062f \u0627\u0639\u062a\u0645\u0627\u062f \u0645\u062a\u0642\u0627\u0628\u0644 \u0645\u06cc\u0627\u0646 \u0637\u0631\u0641\u06cc\u0646 \u0645\u0639\u0627\u0645\u0644\u0647\u060c \u0628\u0647 \u0628\u0647\u0628\u0648\u062f \u06a9\u0627\u0631\u0627\u06cc\u06cc \u0648 \u0627\u0645\u0646\u06cc\u062a \u0627\u06cc\u0646 \u0646\u0648\u0639 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u06a9\u0645\u06a9 \u0634\u0627\u06cc\u0627\u0646\u06cc \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u062f\u0641\u062a\u0631-\u06a9\u0644-\u062a\u0648\u0632\u06cc\u0639-\u0634\u062f\u0647-dlt-\u062f\u0631-\u062d\u0648\u0632\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0627\u062f\u0627\u0645\u0647\u060c \u0628\u0647 \u0628\u0631\u062e\u06cc \u0627\u0632 \u0645\u0632\u0627\u06cc\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u0641\u0646\u0627\u0648\u0631\u06cc DLT \u062f\u0631 \u062a\u0633\u0647\u06cc\u0644 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0627\u0634\u0627\u0631\u0647 \u062e\u0648\u0627\u0647\u062f \u0634\u062f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u062a\u0633\u0631\u06cc\u0639 \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a:<\/strong> \u0641\u0646\u0627\u0648\u0631\u06cc DLT \u0628\u0627 \u06a9\u0627\u0647\u0634 \u0686\u0634\u0645\u06af\u06cc\u0631 \u0632\u0645\u0627\u0646 \u067e\u0631\u062f\u0627\u0632\u0634 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u060c \u0627\u0645\u06a9\u0627\u0646 \u0627\u0646\u062c\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0622\u0646\u06cc \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u062f.<\/li>\n\n\n\n<li><strong>\u06a9\u0627\u0647\u0634 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634:<\/strong> \u0628\u0627 \u062d\u0630\u0641 \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u06cc \u0645\u062a\u0639\u062f\u062f \u062f\u0631 \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u060c \u0641\u0646\u0627\u0648\u0631\u06cc DLT \u0628\u0647 \u0637\u0648\u0631 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u06a9\u0627\u0647\u0634 \u062f\u0627\u062f\u0647 \u0648 \u0627\u06cc\u0646 \u0646\u0648\u0639 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0628\u0646\u06af\u0627\u0647\u200c\u0647\u0627\u06cc \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u0648 \u0627\u0634\u062e\u0627\u0635 \u062d\u0642\u06cc\u0642\u06cc \u0645\u0642\u0631\u0648\u0646 \u0628\u0647 \u0635\u0631\u0641\u0647 \u0645\u06cc\u200c\u0633\u0627\u0632\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0641\u0632\u0627\u06cc\u0634 \u0627\u0645\u0646\u06cc\u062a \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627:<\/strong> \u0645\u0627\u0647\u06cc\u062a \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc DLT\u060c \u0622\u0646 \u0631\u0627 \u062f\u0631 \u0628\u0631\u0627\u0628\u0631 \u062a\u0647\u062f\u06cc\u062f\u0627\u062a \u0627\u0645\u0646\u06cc\u062a\u06cc \u0647\u0645\u0686\u0648\u0646 \u06a9\u0644\u0627\u0647\u0628\u0631\u062f\u0627\u0631\u06cc \u0648 \u062d\u0645\u0644\u0627\u062a \u0633\u0627\u06cc\u0628\u0631\u06cc \u0645\u0642\u0627\u0648\u0645 \u0633\u0627\u062e\u062a\u0647 \u0648 \u0628\u0647 \u0627\u06cc\u0646 \u062a\u0631\u062a\u06cc\u0628\u060c \u0627\u0645\u0646\u06cc\u062a \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u0645\u0627\u0644\u06cc \u062d\u0633\u0627\u0633 \u0631\u0627 \u0628\u0647 \u0637\u0648\u0631 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0641\u0646\u0627\u0648\u0631\u06cc-\u0628\u0644\u0627\u06a9-\u0686\u06cc\u0646\">\u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0632\u06cc\u0631\u0645\u062c\u0645\u0648\u0639\u0647\u200c\u0627\u06cc \u0627\u0632 \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u0634\u0646\u0627\u062e\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u062a\u0627 \u06a9\u0646\u0648\u0646 \u0639\u0645\u062f\u062a\u0627\u064b \u0628\u0647 \u0648\u0627\u0633\u0637\u0647 \u06a9\u0627\u0631\u0628\u0631\u062f \u0622\u0646 \u062f\u0631 \u062d\u0648\u0632\u0647 \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0646\u0638\u06cc\u0631 \u0628\u06cc\u062a \u06a9\u0648\u06cc\u0646 \u0628\u0647 \u0634\u0647\u0631\u062a \u0631\u0633\u06cc\u062f\u0647 \u0627\u0633\u062a. \u0628\u0627 \u0627\u06cc\u0646 \u062d\u0627\u0644\u060c \u06a9\u0627\u0631\u0628\u0631\u062f\u0647\u0627\u06cc \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc \u0641\u0631\u0627\u062a\u0631 \u0627\u0632 \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0628\u0648\u062f\u0647 \u0648 \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0646\u06cc\u0632 \u0646\u0642\u0634 \u0628\u0633\u0632\u0627\u06cc\u06cc \u0627\u06cc\u0641\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0632\u0645\u06cc\u0646\u0647\u060c \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0627 \u0627\u06cc\u062c\u0627\u062f \u06cc\u06a9 \u062f\u0641\u062a\u0631 \u06a9\u0644 \u0634\u0641\u0627\u0641 \u0648 \u063a\u06cc\u0631\u0642\u0627\u0628\u0644 \u062f\u0633\u062a\u06a9\u0627\u0631\u06cc\u060c \u0627\u0645\u06a9\u0627\u0646 \u062b\u0628\u062a \u062a\u0645\u0627\u0645\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0647\u0645\u06af\u0627\u0646\u06cc \u0641\u0631\u0627\u0647\u0645 \u0622\u0648\u0631\u062f\u0647 \u0648 \u0628\u0647 \u0627\u06cc\u0646 \u062a\u0631\u062a\u06cc\u0628\u060c \u0634\u0641\u0627\u0641\u06cc\u062a \u0648 \u0627\u0637\u0645\u06cc\u0646\u0627\u0646 \u0631\u0627 \u062f\u0631 \u06a9\u0644\u06cc\u0647 \u0645\u0631\u0627\u062d\u0644 \u067e\u0631\u062f\u0627\u062e\u062a \u062a\u0636\u0645\u06cc\u0646 \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u062f.<\/p>\n\n\n\n<div class=\"wp-block-cover has-white-color has-text-color has-link-color wp-elements-5e289d5f42ff456bd9d3ed1bb0a095a5\" style=\"min-height:110px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-60 has-background-dim\"><\/span><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" class=\"wp-block-cover__image-background wp-image-17538\" alt=\"\u062a\u0641\u0627\u0648\u06cc\u062a \u0628\u06cc\u062a \u06a9\u0648\u06cc\u0646 \u0648 \u0628\u0644\u0627\u06a9\u0686\u06cc\u0646\" src=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain.webp\" style=\"object-position:54% 38%\" data-object-fit=\"cover\" data-object-position=\"54% 38%\" srcset=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain.webp 1920w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain-300x200.webp 300w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain-768x512.webp 768w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain-1024x683.webp 1024w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain-1536x1024.webp 1536w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/bitcoin-vs-blockchain-1320x880.webp 1320w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\"><a href=\"https:\/\/hamiya.shop\/jurnal\/blockchain-vs-bitcoin\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0644\u0637\u0641\u0627 \u0628\u06cc\u062a \u06a9\u0648\u06cc\u0646 \u0648 \u0628\u0644\u0627\u06a9\u0686\u06cc\u0646 \u0631\u0627 \u0628\u0627 \u0647\u0645 \u0627\u0634\u062a\u0628\u0627\u0647 \u0646\u06af\u06cc\u0631\u06cc\u062f!<\/a><\/p>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0686\u0646\u062f\u0645\u0644\u06cc\u062a\u06cc \u0627\u0634\u0627\u0631\u0647 \u06a9\u0631\u062f \u06a9\u0647 \u0628\u0627 \u0628\u0647\u0631\u0647\u200c\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc DLT\u060c \u0648\u062c\u0648\u0647 \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0645\u0633\u062a\u0642\u06cc\u0645 \u0648 \u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0648\u0627\u0633\u0637\u0647 \u0628\u0647 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u062a\u0627\u0628\u0639\u0647 \u062e\u0648\u062f \u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f. \u0627\u06cc\u0646 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632\u060c \u0636\u0645\u0646 \u062a\u0623\u0645\u06cc\u0646 \u0627\u0645\u0646\u06cc\u062a \u0648 \u0634\u0641\u0627\u0641\u06cc\u062a \u062f\u0631 \u06a9\u0644\u06cc\u0647 \u0645\u0631\u0627\u062d\u0644 \u062a\u0631\u0627\u06a9\u0646\u0634\u060c \u0627\u0645\u06a9\u0627\u0646 \u062a\u0623\u06cc\u06cc\u062f \u0641\u0648\u0631\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0622\u0648\u0631\u062f\u0647 \u0648 \u0628\u0647 \u0637\u0648\u0631 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u0632\u0645\u0627\u0646 \u0627\u0646\u062c\u0627\u0645 \u0639\u0645\u0644\u06cc\u0627\u062a \u0645\u0627\u0644\u06cc \u0631\u0627 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f. \u062f\u0631 \u0645\u062c\u0645\u0648\u0639\u060c \u0641\u0646\u0627\u0648\u0631\u06cc DLT \u0628\u0627 \u0627\u06cc\u062c\u0627\u062f \u0628\u0633\u062a\u0631 \u0627\u0645\u0646 \u0648 \u0634\u0641\u0627\u0641\u060c \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0628\u0631\u0627\u06cc \u0628\u0646\u06af\u0627\u0647\u200c\u0647\u0627\u06cc \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u062a\u0633\u0647\u06cc\u0644 \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06a9\u0627\u0631\u0628\u0631\u062f-\u0641\u0646\u0627\u0648\u0631\u06cc-\u0628\u0644\u0627\u06a9-\u0686\u06cc\u0646-\u062f\u0631-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\">\u06a9\u0627\u0631\u0628\u0631\u062f \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u062f\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0627 \u0628\u0647\u0631\u0647\u200c\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0645\u0632\u0627\u06cc\u0627\u06cc \u0645\u062a\u0639\u062f\u062f\u06cc \u062d\u0627\u0635\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u0627\u0632 \u062c\u0645\u0644\u0647 \u0622\u0646\u200c\u0647\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u0645\u0648\u0627\u0631\u062f \u0632\u06cc\u0631 \u0627\u0634\u0627\u0631\u0647 \u06a9\u0631\u062f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0634\u0641\u0627\u0641\u06cc\u062a \u06a9\u0627\u0645\u0644:<\/strong> \u06a9\u0644\u06cc\u0647 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u062f\u0631 \u0634\u0628\u06a9\u0647 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0647 \u0635\u0648\u0631\u062a \u0639\u0645\u0648\u0645\u06cc \u0648 \u0642\u0627\u0628\u0644 \u0645\u0634\u0627\u0647\u062f\u0647 \u0628\u0631\u0627\u06cc \u062a\u0645\u0627\u0645\u06cc \u0637\u0631\u0641\u200c\u0647\u0627\u06cc \u0645\u062c\u0627\u0632 \u062b\u0628\u062a \u0645\u06cc\u200c\u0634\u0648\u0646\u062f \u06a9\u0647 \u0627\u06cc\u0646 \u0627\u0645\u0631 \u0628\u0647 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0633\u0637\u062d \u0627\u0639\u062a\u0645\u0627\u062f \u0648 \u0645\u0633\u0626\u0648\u0644\u06cc\u062a\u200c\u067e\u0630\u06cc\u0631\u06cc \u062f\u0631 \u0645\u06cc\u0627\u0646 \u0645\u0634\u0627\u0631\u06a9\u062a\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u06a9\u0645\u06a9 \u0634\u0627\u06cc\u0627\u0646\u06cc \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u062f.<\/li>\n\n\n\n<li><strong>\u063a\u06cc\u0631\u0642\u0627\u0628\u0644 \u062f\u0633\u062a\u06a9\u0627\u0631\u06cc \u0628\u0648\u062f\u0646 \u062f\u0627\u062f\u0647\u200c\u0647\u0627:<\/strong> \u067e\u0633 \u0627\u0632 \u062b\u0628\u062a \u06cc\u06a9 \u062a\u0631\u0627\u06a9\u0646\u0634 \u062f\u0631 \u0634\u0628\u06a9\u0647 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u0627\u0645\u06a9\u0627\u0646 \u062a\u063a\u06cc\u06cc\u0631 \u06cc\u0627 \u062d\u0630\u0641 \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062b\u0628\u062a \u0634\u062f\u0647 \u0648\u062c\u0648\u062f \u0646\u062f\u0627\u0634\u062a\u0647 \u0648 \u0627\u06cc\u0646 \u0627\u0645\u0631 \u0628\u0647 \u0637\u0648\u0631 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0627\u062d\u062a\u0645\u0627\u0644 \u0648\u0642\u0648\u0639 \u062a\u0642\u0644\u0628 \u0631\u0627 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/li>\n\n\n\n<li><strong>\u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f:<\/strong> \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0627\u0645\u06a9\u0627\u0646 \u0627\u062c\u0631\u0627\u06cc \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u062f \u06a9\u0647 \u0634\u0631\u0627\u06cc\u0637 \u0627\u062c\u0631\u0627\u06cc \u0622\u0646\u200c\u0647\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u06a9\u062f\u0647\u0627\u06cc \u06a9\u0627\u0645\u067e\u06cc\u0648\u062a\u0631\u06cc \u062a\u0639\u0631\u06cc\u0641 \u0634\u062f\u0647 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627 \u0628\u0627 \u0627\u062a\u0648\u0645\u0627\u0633\u06cc\u0648\u0646 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u060c \u0628\u0647 \u0633\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0648 \u062a\u0633\u0631\u06cc\u0639 \u0627\u0646\u062c\u0627\u0645 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u06a9\u0645\u06a9 \u0634\u0627\u06cc\u0627\u0646\u06cc \u0645\u06cc\u200c\u0646\u0645\u0627\u06cc\u0646\u062f.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-cover has-white-color has-text-color has-link-color wp-elements-ef79d15bacf7755ebae9ded31fba2fed\" style=\"min-height:110px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" class=\"wp-block-cover__image-background wp-image-17856\" alt=\"\u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0647\u0648\u0634\u0645\u0646\u062f\" src=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract.webp\" style=\"object-position:61% 53%\" data-object-fit=\"cover\" data-object-position=\"61% 53%\" srcset=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract.webp 1920w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract-300x200.webp 300w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract-1024x683.webp 1024w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract-768x512.webp 768w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract-1536x1024.webp 1536w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/11\/Smart-contract-1320x880.webp 1320w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color has-medium-font-size wp-elements-374556087acb5fe04359be70191f59ae wp-block-paragraph\"><a href=\"https:\/\/hamiya.shop\/jurnal\/everything-you-need-to-know-about-smart-contracts\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0647\u0631\u0622\u0646\u0686\u0647 \u0628\u0627\u06cc\u062f \u062f\u0631\u0628\u0627\u0631\u0647 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0648 \u0646\u0642\u0634 \u0628\u0644\u0627\u06a9\u200c\u0686\u06cc\u0646 \u062f\u0631 \u0622\u0646 \u0628\u062f\u0627\u0646\u06cc\u062f<\/a><\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0648\u0636\u0639\u06cc\u062a-\u06a9\u0646\u0648\u0646\u06cc-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\">\u0648\u0636\u0639\u06cc\u062a \u06a9\u0646\u0648\u0646\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0639\u0644\u06cc\u200c\u0631\u063a\u0645 \u0645\u0632\u0627\u06cc\u0627\u06cc \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u06a9\u0647 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0631\u0627\u06cc \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0647 \u0627\u0631\u0645\u063a\u0627\u0646 \u0622\u0648\u0631\u062f\u0647\u200c\u0627\u0646\u062f\u060c \u0627\u06cc\u0646 \u062d\u0648\u0632\u0647 \u0647\u0645\u0686\u0646\u0627\u0646 \u0628\u0627 \u067e\u06cc\u0686\u06cc\u062f\u06af\u06cc\u200c\u0647\u0627\u06cc \u062e\u0627\u0635 \u062e\u0648\u062f \u0645\u0648\u0627\u062c\u0647 \u0627\u0633\u062a. \u0633\u06cc\u0633\u062a\u0645\u200c\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc \u0646\u0638\u06cc\u0631 \u0633\u0648\u0626\u06cc\u0641\u062a (SWIFT) \u06a9\u0645\u0627\u06a9\u0627\u0646 \u0633\u0647\u0645 \u0639\u0645\u062f\u0647\u200c\u0627\u06cc \u0627\u0632 \u0628\u0627\u0632\u0627\u0631 \u0631\u0627 \u062f\u0631 \u0627\u062e\u062a\u06cc\u0627\u0631 \u062f\u0627\u0631\u0646\u062f \u0648 \u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0648 \u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u06cc \u0628\u0647 \u062f\u0644\u0627\u06cc\u0644 \u0645\u062e\u062a\u0644\u0641\u060c \u062f\u0631 \u067e\u0630\u06cc\u0631\u0634 \u0648 \u0628\u0647\u200c\u06a9\u0627\u0631\u06af\u06cc\u0631\u06cc \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u06cc\u0646 \u062a\u0631\u062f\u06cc\u062f \u0645\u06cc\u200c\u0648\u0631\u0632\u0646\u062f. \u0628\u0627 \u0627\u06cc\u0646 \u062d\u0627\u0644\u060c \u0638\u0647\u0648\u0631 \u0641\u06cc\u0646\u200c\u062a\u06a9\u200c<sup data-fn=\"9ac094dc-ce24-404f-8aea-2318f9534114\" class=\"fn\"><a id=\"9ac094dc-ce24-404f-8aea-2318f9534114-link\" href=\"#9ac094dc-ce24-404f-8aea-2318f9534114\">1<\/a><\/sup>\u0647\u0627 \u0648 \u0627\u0631\u0627\u0626\u0647 \u0631\u0627\u0647\u200c\u062d\u0644\u200c\u0647\u0627\u06cc \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647 \u0628\u0631 \u067e\u0627\u06cc\u0647 DLT \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u0646\u0648\u06cc\u062f\u0628\u062e\u0634 \u062a\u062d\u0648\u0644\u06cc \u0634\u06af\u0631\u0641 \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0648\u0632\u0647 \u0648 \u0686\u0627\u0644\u0634\u200c\u0628\u0631\u0627\u0646\u06af\u06cc\u0632 \u0633\u0627\u062e\u062a\u0646 \u0631\u0648\u06cc\u0647\u200c\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc \u0645\u06cc\u200c\u0628\u0627\u0634\u0646\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646-\u0646\u0648\u0638\u0647\u0648\u0631-\u062f\u0631-\u0639\u0631\u0635\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\">\u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u0646\u0648\u0638\u0647\u0648\u0631 \u062f\u0631 \u0639\u0631\u0635\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0627\u062f\u0627\u0645\u0647\u060c \u0628\u0647 \u0645\u0639\u0631\u0641\u06cc \u0628\u0631\u062e\u06cc \u0627\u0632 \u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u0646\u0648\u0638\u0647\u0648\u0631 \u062f\u0631 \u0639\u0631\u0635\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u06a9\u0647 \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u06cc\u0646 \u0647\u0645\u0686\u0648\u0646 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0647\u0631\u0647 \u0645\u06cc\u200c\u0628\u0631\u0646\u062f\u060c \u062e\u0648\u0627\u0647\u06cc\u0645 \u067e\u0631\u062f\u0627\u062e\u062a.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/ripple.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0631\u06cc\u067e\u0644 (Ripple)<\/a>: <\/strong>\u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a \u0628\u0627 \u0628\u0647\u0631\u0647\u200c\u06af\u06cc\u0631\u06cc \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u0627\u0645\u06a9\u0627\u0646 \u0627\u0646\u062a\u0642\u0627\u0644 \u0622\u0646\u06cc \u0648\u062c\u0648\u0647 \u062f\u0631 \u0633\u0637\u062d \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0622\u0648\u0631\u062f\u0647 \u0627\u0633\u062a. \u0634\u0628\u06a9\u0647 \u0631\u06cc\u067e\u0644 (RippleNet) \u0628\u0647 \u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u06cc \u0627\u062c\u0627\u0632\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f \u062a\u0627 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0631\u0627 \u0628\u0627 \u0647\u0632\u06cc\u0646\u0647 \u06a9\u0645\u062a\u0631 \u0648 \u062f\u0631 \u06a9\u0645\u062a\u0631\u06cc\u0646 \u0632\u0645\u0627\u0646 \u0645\u0645\u06a9\u0646 \u0627\u0646\u062c\u0627\u0645 \u062f\u0647\u0646\u062f.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/stellar.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0633\u062a\u0644\u0627\u0631 (Stellar)<\/a>:<\/strong> \u0627\u06cc\u0646 \u067e\u0644\u062a\u0641\u0631\u0645\u060c \u0645\u0634\u0627\u0628\u0647 \u0631\u06cc\u067e\u0644\u060c \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0641\u0639\u0627\u0644\u06cc\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0628\u0627 \u0627\u06cc\u0646 \u062a\u0641\u0627\u0648\u062a \u06a9\u0647 \u062a\u0645\u0631\u06a9\u0632 \u0627\u0635\u0644\u06cc \u0622\u0646 \u0628\u0631 \u0627\u0631\u0627\u0626\u0647 \u062e\u062f\u0645\u0627\u062a \u0628\u0647 \u0628\u0627\u0632\u0627\u0631\u0647\u0627\u06cc \u06a9\u0645\u062a\u0631 \u062a\u0648\u0633\u0639\u0647\u200c\u06cc\u0627\u0641\u062a\u0647 \u0648 \u0645\u062d\u0631\u0648\u0645 \u0627\u0633\u062a. \u0634\u0628\u06a9\u0647 \u0627\u0633\u062a\u0644\u0627\u0631 \u0627\u0645\u06a9\u0627\u0646 \u0627\u0646\u062c\u0627\u0645 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0627\u0631\u0632\u0627\u0646\u200c\u0642\u06cc\u0645\u062a \u0628\u06cc\u0646 \u062a\u0645\u0627\u0645\u06cc \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u062f.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/wise.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0631\u0627\u0646\u0633\u0641\u0631 \u0648\u0627\u06cc\u0632 (Wise)<\/a>:<\/strong> \u0647\u0631\u0686\u0646\u062f \u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a \u0628\u0647 \u0637\u0648\u0631 \u0645\u0633\u062a\u0642\u06cc\u0645 \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0647\u0631\u0647 \u0646\u0645\u06cc\u200c\u0628\u0631\u062f\u060c \u0627\u0645\u0627 \u0628\u0627 \u0627\u062a\u06a9\u0627 \u0628\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u0646\u0648\u06cc\u0646\u060c \u062a\u0648\u0627\u0646\u0633\u062a\u0647 \u0627\u0633\u062a \u062e\u062f\u0645\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0634\u0641\u0627\u0641 \u0648 \u06a9\u0645\u200c\u0647\u0632\u06cc\u0646\u0647 \u0631\u0627 \u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u062e\u0648\u062f \u0627\u0631\u0627\u0626\u0647 \u0646\u0645\u0627\u06cc\u062f \u0648 \u0628\u0647 \u0647\u0645\u06cc\u0646 \u062f\u0644\u06cc\u0644\u060c \u0645\u0648\u0631\u062f \u0627\u0633\u062a\u0642\u0628\u0627\u0644 \u06af\u0633\u062a\u0631\u062f\u0647 \u0645\u0635\u0631\u0641\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0648 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627 \u0642\u0631\u0627\u0631 \u06af\u0631\u0641\u062a\u0647 \u0627\u0633\u062a.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0686\u0634\u0645-\u0627\u0646\u062f\u0627\u0632-\u0622\u06cc\u0646\u062f\u0647-\u067e\u0631\u062f\u0627\u062e\u062a-\u0647\u0627\u06cc-\u0628\u06cc\u0646-\u0627\u0644\u0645\u0644\u0644\u06cc\"><strong>\u0686\u0634\u0645\u200c\u0627\u0646\u062f\u0627\u0632 \u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u0628\u062a\u0646\u06cc \u0628\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0633\u06cc\u0627\u0631 \u0631\u0648\u0634\u0646 \u0648 \u0627\u0645\u06cc\u062f\u0648\u0627\u0631\u06a9\u0646\u0646\u062f\u0647 \u0628\u0647 \u0646\u0638\u0631 \u0645\u06cc\u200c\u0631\u0633\u062f. \u0628\u0627 \u067e\u06cc\u0634\u0631\u0641\u062a \u0631\u0648\u0632\u0627\u0641\u0632\u0648\u0646 \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0627\u0646\u062a\u0638\u0627\u0631 \u062a\u062d\u0648\u0644\u0627\u062a \u0634\u06af\u0631\u0641\u06cc \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0648\u0632\u0647 \u0631\u0627 \u062f\u0627\u0634\u062a.<\/p>\n\n\n\n<div class=\"wp-block-cover has-white-color has-text-color has-link-color wp-elements-2f23ee5b06448f479da5d2bd14db80ef\" style=\"min-height:110px;aspect-ratio:unset;\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-30 has-background-dim\"><\/span><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" class=\"wp-block-cover__image-background wp-image-17744\" alt=\"\u0622\u06cc\u0646\u062f\u0647 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0628\u0627\u0632\u0627\u0631\u0647\u0627 \u0648 \u067e\u0648\u0644\" src=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money.webp\" style=\"object-position:54% 49%\" data-object-fit=\"cover\" data-object-position=\"54% 49%\" srcset=\"https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money.webp 1920w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money-300x200.webp 300w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money-768x512.webp 768w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money-1024x683.webp 1024w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money-1536x1024.webp 1536w, https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/10\/On-the-Digital-Future-of-Markets-and-Money-1320x880.webp 1320w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color has-large-font-size wp-elements-bb221d33d1932def9d5f500b7985d690 wp-block-paragraph\"><a href=\"https:\/\/hamiya.shop\/jurnal\/on-the-digital-future-of-markets-and-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062f\u0631 \u0628\u0627\u0628 \u0622\u06cc\u0646\u062f\u0647 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0628\u0627\u0632\u0627\u0631\u0647\u0627 \u0648 \u067e\u0648\u0644<\/a><\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u062c\u0645\u0639-\u0628\u0646\u062f\u06cc-\u0648-\u0646\u062a\u06cc\u062c\u0647-\u06af\u06cc\u0631\u06cc\">\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc \u0648 \u0646\u062a\u06cc\u062c\u0647\u200c\u06af\u06cc\u0631\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639\u200c\u0634\u062f\u0647 (DLT) \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646\u060c \u0628\u0627 \u06a9\u0627\u0647\u0634 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u060c \u0627\u0641\u0632\u0627\u06cc\u0634 \u0634\u0641\u0627\u0641\u06cc\u062a \u0648 \u0627\u0645\u0646\u06cc\u062a\u060c \u0648 \u0633\u0631\u0639\u062a\u200c\u0628\u062e\u0634\u06cc \u0628\u0647 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc\u060c \u0639\u0631\u0635\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0645\u062a\u062d\u0648\u0644 \u0633\u0627\u062e\u062a\u0647\u200c\u0627\u0646\u062f. \u0627\u06cc\u0646 \u0646\u0648\u0622\u0648\u0631\u06cc\u200c\u0647\u0627\u060c \u067e\u0627\u0633\u062e\u06af\u0648\u06cc \u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u062c\u0647\u0627\u0646\u06cc \u0628\u0631\u0627\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0627\u06cc\u0645\u0646\u060c \u06a9\u0627\u0631\u0622\u0645\u062f \u0648 \u0633\u0631\u06cc\u0639\u200c\u062a\u0631 \u0647\u0633\u062a\u0646\u062f \u0648 \u062f\u0631 \u0639\u06cc\u0646 \u062d\u0627\u0644\u060c \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u0633\u06cc\u0633\u062a\u0645\u200c\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc \u0645\u0627\u0646\u0646\u062f \u0632\u0645\u0627\u0646\u200c\u0628\u0631 \u0628\u0648\u062f\u0646 \u0648 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0633\u0646\u06af\u06cc\u0646 \u0631\u0627 \u0628\u0647 \u062d\u062f\u0627\u0642\u0644 \u0631\u0633\u0627\u0646\u062f\u0647\u200c\u0627\u0646\u062f. \u0628\u0647 \u0627\u06cc\u0646 \u062a\u0631\u062a\u06cc\u0628\u060c \u0622\u06cc\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0628\u0647\u200c\u06af\u0648\u0646\u0647\u200c\u0627\u06cc \u0631\u0642\u0645 \u0645\u06cc\u200c\u062e\u0648\u0631\u062f \u06a9\u0647 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u0648 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0627\u0632 \u0645\u0632\u0627\u06cc\u0627\u06cc \u0628\u06cc\u200c\u0646\u0638\u06cc\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u0628\u0647\u0631\u0647\u200c\u0645\u0646\u062f \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u067e\u0627\u06cc\u0627\u0646\u060c \u0647\u0645\u0627\u0646\u200c\u06af\u0648\u0646\u0647 \u06a9\u0647 \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647 \u0645\u0648\u0631\u062f \u0628\u0631\u0631\u0633\u06cc \u0642\u0631\u0627\u0631 \u06af\u0631\u0641\u062a\u060c \u062a\u063a\u06cc\u06cc\u0631\u0627\u062a \u0627\u0633\u0627\u0633\u06cc \u0648 \u0686\u0634\u0645\u06af\u06cc\u0631\u06cc \u062f\u0631 \u0645\u0633\u06cc\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0647 \u0644\u0637\u0641 \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627 \u062f\u0631 \u062d\u0627\u0644 \u0634\u06a9\u0644\u200c\u06af\u06cc\u0631\u06cc \u0627\u0633\u062a \u0648 \u0645\u0627 \u0634\u0627\u0647\u062f \u0634\u06a9\u0644\u200c\u06af\u06cc\u0631\u06cc \u06cc\u06a9 \u0627\u0646\u0642\u0644\u0627\u0628 \u062f\u0631 \u0639\u0631\u0635\u0647 \u0645\u0627\u0644\u06cc \u062c\u0647\u0627\u0646\u06cc \u0647\u0633\u062a\u06cc\u0645. \u0628\u0627 \u0646\u06af\u0627\u0647\u06cc \u0628\u0647 \u062a\u062d\u0648\u0644\u0627\u062a \u067e\u06cc\u0634 \u0631\u0648 \u0648 \u062f\u0631\u06a9 \u062a\u0623\u062b\u06cc\u0631\u0627\u062a \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0648 DLT\u060c \u0628\u0647\u200c\u062e\u0648\u0628\u06cc \u0631\u0648\u0634\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627 \u062a\u0646\u0647\u0627 \u0622\u063a\u0627\u0632 \u06cc\u06a9 \u062f\u0648\u0631\u0647 \u062c\u062f\u06cc\u062f \u0627\u0632 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0647\u0633\u062a\u0646\u062f \u06a9\u0647 \u0628\u0631\u0627\u06cc \u067e\u0627\u0633\u062e \u0628\u0647 \u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u0631\u0648\u0632\u0627\u0641\u0632\u0648\u0646 \u0627\u0642\u062a\u0635\u0627\u062f \u062c\u0647\u0627\u0646\u06cc \u0637\u0631\u0627\u062d\u06cc \u0634\u062f\u0647\u200c\u0627\u0646\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0633\u0648\u0627\u0644\u0627\u062a-\u0645\u062a\u062f\u0627\u0648\u0644\">\u0633\u0648\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1732460766404\"><strong class=\"schema-faq-question\">1. <strong>\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0647 \u0686\u0647 \u0645\u0639\u0646\u0627\u0633\u062a\u061f<\/strong><\/strong> <p class=\"schema-faq-answer\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0628\u0647 \u0645\u0628\u0627\u062f\u0644\u0627\u062a \u0645\u0627\u0644\u06cc \u0645\u06cc\u0627\u0646 \u0627\u0634\u062e\u0627\u0635 \u06cc\u0627 \u0646\u0647\u0627\u062f\u0647\u0627\u06cc\u06cc \u06af\u0641\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u062f\u0631 \u06a9\u0634\u0648\u0631\u200c\u0647\u0627\u06cc \u0645\u062e\u062a\u0644\u0641 \u0645\u0633\u062a\u0642\u0631 \u0647\u0633\u062a\u0646\u062f. \u0627\u06cc\u0646 \u0646\u0648\u0639 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0627\u063a\u0644\u0628 \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0645\u062a\u0646\u0648\u0639\u06cc \u0627\u0646\u062c\u0627\u0645 \u0634\u062f\u0647 \u0648 \u0645\u0633\u062a\u0644\u0632\u0645 \u062f\u062e\u0627\u0644\u062a \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u06cc \u0645\u062a\u0639\u062f\u062f \u0645\u06cc\u200c\u0628\u0627\u0634\u0646\u062f \u06a9\u0647 \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647 \u0645\u0646\u062c\u0631 \u0628\u0647 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u0637\u0648\u0644\u0627\u0646\u06cc \u0634\u062f\u0646 \u0632\u0645\u0627\u0646 \u067e\u0631\u062f\u0627\u0632\u0634 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732460776567\"><strong class=\"schema-faq-question\">2. \u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 (DLT) \u0686\u06af\u0648\u0646\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647 \u0628\u0647\u0628\u0648\u062f \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u06a9\u0645\u06a9 \u06a9\u0646\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639 \u0634\u062f\u0647 \u0628\u0627 \u0627\u0631\u0627\u0626\u0647 \u06cc\u06a9 \u0631\u0648\u0634 \u062b\u0628\u062a \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0628\u0647 \u0635\u0648\u0631\u062a \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u0648 \u0634\u0641\u0627\u0641\u060c \u062a\u062d\u0648\u0644\u06cc \u0639\u0638\u06cc\u0645 \u062f\u0631 \u062d\u0648\u0632\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0627\u06cc\u062c\u0627\u062f \u0646\u0645\u0648\u062f\u0647 \u0627\u0633\u062a. \u0628\u0627 \u062d\u0630\u0641 \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u06cc \u0645\u062a\u0639\u062f\u062f\u060c \u06a9\u0627\u0647\u0634 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634\u060c \u062a\u0633\u0631\u06cc\u0639 \u0641\u0631\u0622\u06cc\u0646\u062f \u067e\u0631\u062f\u0627\u0632\u0634 \u0648 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0633\u0637\u062d \u0627\u0645\u0646\u06cc\u062a\u060c \u0627\u06cc\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9 \u0631\u0627\u0647\u200c\u062d\u0644 \u06a9\u0627\u0631\u0622\u0645\u062f \u0648 \u0645\u0624\u062b\u0631 \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u0637\u0631\u062d \u0634\u062f\u0647 \u0627\u0633\u062a.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732460787776\"><strong class=\"schema-faq-question\">3. \u062a\u0641\u0627\u0648\u062a \u0645\u06cc\u0627\u0646 \u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639\u200c\u0634\u062f\u0647 (DLT) \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0686\u06cc\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">\u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0641\u062a\u0631 \u06a9\u0644 \u062a\u0648\u0632\u06cc\u0639\u200c\u0634\u062f\u0647 (DLT) \u0645\u0641\u0647\u0648\u0645\u06cc \u06af\u0633\u062a\u0631\u062f\u0647\u200c\u062a\u0631 \u0628\u0648\u062f\u0647 \u0648 \u0628\u0647 \u0645\u062c\u0645\u0648\u0639\u0647\u200c\u0627\u06cc \u0627\u0632 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627 \u0627\u0637\u0644\u0627\u0642 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u0627\u0645\u06a9\u0627\u0646 \u062b\u0628\u062a \u0648 \u0646\u06af\u0647\u062f\u0627\u0631\u06cc \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u062f\u0631 \u0686\u0646\u062f\u06cc\u0646 \u0645\u06a9\u0627\u0646 \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u0646\u062f. \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9\u06cc \u0627\u0632 \u0627\u0646\u0648\u0627\u0639 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc DLT\u060c \u0627\u0632 \u0633\u0627\u062e\u062a\u0627\u0631\u06cc \u0632\u0646\u062c\u06cc\u0631\u0647\u200c\u0627\u06cc \u0627\u0632 \u0628\u0644\u0648\u06a9\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc \u062a\u0623\u06cc\u06cc\u062f \u0648 \u062b\u0628\u062a \u0627\u06cc\u0645\u0646 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627\u06cc \u0628\u0627\u0631\u0632 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0639\u0628\u0627\u0631\u062a\u0646\u062f \u0627\u0632 \u0634\u0641\u0627\u0641\u06cc\u062a \u0648 \u063a\u06cc\u0631\u0642\u0627\u0628\u0644 \u062a\u063a\u06cc\u06cc\u0631 \u0628\u0648\u062f\u0646 \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u062b\u0628\u062a\u200c\u0634\u062f\u0647 \u062f\u0631 \u0622\u0646.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732460795116\"><strong class=\"schema-faq-question\">\u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0686\u0647 \u0646\u0642\u0634\u06cc \u062f\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u062f\u0627\u0631\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0628\u0627 \u0627\u0631\u0627\u0626\u0647 \u062b\u0628\u062a \u0634\u0641\u0627\u0641 \u0648 \u063a\u06cc\u0631\u0642\u0627\u0628\u0644 \u062a\u063a\u06cc\u06cc\u0631\u060c \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0627\u06cc\u0645\u0646\u200c\u062a\u0631 \u0648 \u0634\u0641\u0627\u0641\u200c\u062a\u0631 \u06a9\u0631\u062f\u0647 \u0648 \u0627\u0645\u06a9\u0627\u0646 \u067e\u06cc\u06af\u06cc\u0631\u06cc \u0647\u0645\u0647 \u0645\u0631\u0627\u062d\u0644 \u067e\u0631\u062f\u0627\u062e\u062a \u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732460893308\"><strong class=\"schema-faq-question\">\u0622\u06cc\u0627 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u062f\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u062f\u0627\u0631\u0646\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0628\u0644\u0647\u060c \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0628\u0627 \u0627\u062c\u0631\u0627\u06cc \u062e\u0648\u062f\u06a9\u0627\u0631 \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0634\u0631\u0627\u06cc\u0637 \u0627\u0632 \u067e\u06cc\u0634 \u062a\u0639\u06cc\u06cc\u0646 \u0634\u062f\u0647\u060c \u0633\u0631\u0639\u062a \u0648 \u062f\u0642\u062a \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0631\u0627 \u0628\u0647\u0628\u0648\u062f \u0645\u06cc\u200c\u0628\u062e\u0634\u0646\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1732460946181\"><strong class=\"schema-faq-question\">\u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u0641\u0639\u0644\u06cc \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc DLT \u0648 \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u062f\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0686\u06cc\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">\u0686\u0627\u0644\u0634\u200c\u0647\u0627 \u0634\u0627\u0645\u0644 \u067e\u0630\u06cc\u0631\u0634 \u06a9\u0645 \u062f\u0631 \u0645\u06cc\u0627\u0646 \u0645\u0624\u0633\u0633\u0627\u062a \u0633\u0646\u062a\u06cc\u060c \u0646\u0628\u0648\u062f \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f\u0647\u0627\u06cc \u0645\u0634\u062a\u0631\u06a9 \u0648 \u0686\u0627\u0631\u0686\u0648\u0628\u200c\u0647\u0627\u06cc \u0646\u0638\u0627\u0631\u062a\u06cc \u0645\u0634\u062e\u0635 \u0628\u0631\u0627\u06cc \u06cc\u06a9\u067e\u0627\u0631\u0686\u06af\u06cc \u0633\u06cc\u0633\u062a\u0645\u200c\u0647\u0627 \u0627\u0633\u062a.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<ol class=\"wp-block-footnotes\"><li id=\"9ac094dc-ce24-404f-8aea-2318f9534114\"><strong>\u0641\u06cc\u0646\u200c\u062a\u06a9 (FinTech):<\/strong> \u06cc\u0627 \u0641\u0646\u0627\u0648\u0631\u06cc \u0645\u0627\u0644\u06cc (Financial technology) \u0628\u0647 \u0645\u0639\u0646\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647 \u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0631 \u0627\u0631\u0627\u0626\u0647 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u06cc \u0627\u0633\u062a. <a href=\"#9ac094dc-ce24-404f-8aea-2318f9534114-link\" aria-label=\"\u0631\u0641\u062a\u0646 \u0628\u0647 \u0645\u0631\u062c\u0639 \u067e\u0627\u0648\u0631\u0642\u06cc 1\">\u21a9\ufe0e<\/a><\/li><\/ol>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div style='text-align:center' class='yasr-auto-insert-visitor'><!--Yasr Visitor Votes Shortcode--><div id='yasr_visitor_votes_96d8292fa6e3a' class='yasr-visitor-votes'><div class=\"yasr-custom-text-vv-before yasr-custom-text-vv-before-18128\">\u0627\u0645\u062a\u06cc\u0627\u0632 \u062f\u0647\u06cc\u062f!<\/div><div id='yasr-vv-second-row-container-96d8292fa6e3a'\r\n                                        class='yasr-vv-second-row-container'><div id='yasr-visitor-votes-rater-96d8292fa6e3a'\r\n                                      class='yasr-rater-stars-vv'\r\n                                      data-rater-postid='18128'\r\n                                      data-rating='5'\r\n                                      data-rater-starsize='24'\r\n                                      data-rater-readonly='false'\r\n                                      data-rater-nonce='73bd71f607'\r\n                                      data-issingular='false'\r\n                                    ><\/div><div class=\"yasr-vv-stats-text-container\" id=\"yasr-vv-stats-text-container-96d8292fa6e3a\"><span id=\"yasr-vv-text-container-96d8292fa6e3a\" class=\"yasr-vv-text-container\"><strong><span id=\"yasr-vv-votes-number-container-96d8292fa6e3a\">1<\/span> \/ <span id=\"yasr-vv-average-container-96d8292fa6e3a\">5<\/span><\/strong><\/span><\/div><div id='yasr-vv-loader-96d8292fa6e3a' class='yasr-vv-container-loader'><\/div><\/div><div id='yasr-vv-bottom-container-96d8292fa6e3a'\r\n                              class='yasr-vv-bottom-container'\r\n                              style='display:none'><\/div><\/div><!--End Yasr Visitor Votes Shortcode--><\/div>","protected":false},"excerpt":{"rendered":"<p>\u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0627\u0645\u0631\u0648\u0632 \u06a9\u0647 \u0645\u0631\u0632\u0647\u0627\u06cc \u062c\u063a\u0631\u0627\u0641\u06cc\u0627\u06cc\u06cc \u062f\u06cc\u06af\u0631 \u0645\u0627\u0646\u0639\u06cc \u0628\u0631 \u0633\u0631 \u0631\u0627\u0647 \u0627\u0631\u062a\u0628\u0627\u0637\u0627\u062a \u0648 \u062a\u062c\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u062d\u0633\u0648\u0628 \u0646\u0645\u06cc\u200c\u0634\u0648\u0646\u062f\u060c \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u06a9\u0627\u0631\u0622\u0645\u062f \u0648 \u0627\u06cc\u0645\u0646 \u0628\u06cc\u0634 \u0627\u0632 \u0647\u0631 \u0632\u0645\u0627\u0646 \u062f\u06cc\u06af\u0631\u06cc \u0627\u062d\u0633\u0627\u0633 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u0645\u0627 \u0645\u0634\u06a9\u0644\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0627\u0632 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627 \u062a\u0627 \u0632\u0645\u0627\u0646\u200c\u0628\u0631 \u0628\u0648\u062f\u0646 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627 \u0648 \u062a\u0639\u062f\u062f \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u060c \u0647\u0645\u0686\u0646\u0627\u0646 \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc \u067e\u06cc\u0634 \u0631\u0648\u06cc \u0627\u06cc\u0646 \u0645\u0633\u06cc\u0631 \u0627\u0633\u062a. \u0638\u0647\u0648\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc &hellip;<\/p>\n","protected":false},"author":31,"featured_media":18487,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","pgc_sgb_lightbox_settings":"","yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":"[{\"content\":\"<strong>\u0641\u06cc\u0646\u200c\u062a\u06a9 (FinTech):<\/strong> \u06cc\u0627 \u0641\u0646\u0627\u0648\u0631\u06cc \u0645\u0627\u0644\u06cc (Financial technology) \u0628\u0647 \u0645\u0639\u0646\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647 \u0641\u0646\u0627\u0648\u0631\u06cc \u062f\u0631 \u0627\u0631\u0627\u0626\u0647 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u06cc \u0627\u0633\u062a.\",\"id\":\"9ac094dc-ce24-404f-8aea-2318f9534114\"}]"},"categories":[39,93,22],"tags":[],"class_list":["post-18128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-application-software","category-crypto","category-technology"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":5},"uagb_featured_image_src":{"full":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments.webp",1920,1280,false],"thumbnail":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-150x150.webp",150,150,true],"medium":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-300x200.webp",300,200,true],"medium_large":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-768x512.webp",768,512,true],"large":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-1024x683.webp",1024,683,true],"1536x1536":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-1536x1024.webp",1536,1024,true],"2048x2048":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments.webp",1920,1280,false],"jannah-image-small":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-220x150.webp",220,150,true],"jannah-image-large":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-550x370.webp",550,370,true],"jannah-image-post":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-780x470.webp",780,470,true],"mailpoet_newsletter_max":["https:\/\/hamiya.shop\/jurnal\/wp-content\/uploads\/2024\/12\/The-Future-of-International-Payments-1320x880.webp",1320,880,true]},"uagb_author_info":{"display_name":"\u0645\u06cc\u0644\u0627\u062f \u0646\u0642\u06cc\u200c\u0632\u0627\u062f\u0647","author_link":"https:\/\/hamiya.shop\/jurnal\/author\/heatch\/"},"uagb_comment_info":0,"uagb_excerpt":"\u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0627\u0645\u0631\u0648\u0632 \u06a9\u0647 \u0645\u0631\u0632\u0647\u0627\u06cc \u062c\u063a\u0631\u0627\u0641\u06cc\u0627\u06cc\u06cc \u062f\u06cc\u06af\u0631 \u0645\u0627\u0646\u0639\u06cc \u0628\u0631 \u0633\u0631 \u0631\u0627\u0647 \u0627\u0631\u062a\u0628\u0627\u0637\u0627\u062a \u0648 \u062a\u062c\u0627\u0631\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u062d\u0633\u0648\u0628 \u0646\u0645\u06cc\u200c\u0634\u0648\u0646\u062f\u060c \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u06a9\u0627\u0631\u0622\u0645\u062f \u0648 \u0627\u06cc\u0645\u0646 \u0628\u06cc\u0634 \u0627\u0632 \u0647\u0631 \u0632\u0645\u0627\u0646 \u062f\u06cc\u06af\u0631\u06cc \u0627\u062d\u0633\u0627\u0633 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u0645\u0627 \u0645\u0634\u06a9\u0644\u0627\u062a \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc\u060c \u0627\u0632 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627 \u062a\u0627 \u0632\u0645\u0627\u0646\u200c\u0628\u0631 \u0628\u0648\u062f\u0646 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627 \u0648 \u062a\u0639\u062f\u062f \u0648\u0627\u0633\u0637\u0647\u200c\u0647\u0627\u060c \u0647\u0645\u0686\u0646\u0627\u0646 \u0686\u0627\u0644\u0634\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc \u067e\u06cc\u0634 \u0631\u0648\u06cc \u0627\u06cc\u0646 \u0645\u0633\u06cc\u0631 \u0627\u0633\u062a. \u0638\u0647\u0648\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u200c\u0647\u0627\u06cc&hellip;","_links":{"self":[{"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/posts\/18128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/comments?post=18128"}],"version-history":[{"count":6,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/posts\/18128\/revisions"}],"predecessor-version":[{"id":18491,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/posts\/18128\/revisions\/18491"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/media\/18487"}],"wp:attachment":[{"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/media?parent=18128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/categories?post=18128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hamiya.shop\/jurnal\/wp-json\/wp\/v2\/tags?post=18128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}