{"id":2817,"date":"2023-04-10T22:16:08","date_gmt":"2023-04-10T18:46:08","guid":{"rendered":"https:\/\/meemalef.ir\/?p=2817"},"modified":"2023-05-05T15:09:21","modified_gmt":"2023-05-05T11:39:21","slug":"%d8%b1%d9%88%d9%86%d9%85%d8%a7%db%8c%db%8c-%d9%81%d8%af%d8%b1%d8%a7%d9%84-%d8%b1%d8%b2%d8%b1%d9%88-%d8%a7%d8%b2-fednow","status":"publish","type":"post","link":"https:\/\/meemalef.ir\/?p=2817","title":{"rendered":"\u0631\u0648\u0646\u0645\u0627\u06cc\u06cc \u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648 \u0627\u0632 FedNow"},"content":{"rendered":"\n<p>\u0628\u0627\u0644\u0627\u062e\u0631\u0647 \u067e\u0633 \u0627\u0632 \u062f\u0647 \u0633\u0627\u0644 \u062a\u0648\u0633\u0639\u06c0 \u0641\u0646\u06cc\u060c \u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648 \u0627\u0632 \u062c\u062f\u06cc\u062f\u062a\u0631\u06cc\u0646 \u0646\u0638\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u06cc\u0627\u0644\u0627\u062a \u0645\u062a\u062d\u062f\u0647 \u0631\u0648\u0646\u0645\u0627\u06cc\u06cc \u06a9\u0631\u062f.<\/p>\n\n\n\n<p>FedNow \u06cc\u06a9 \u0633\u0631\u0648\u06cc\u0633 \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0631\u06cc\u0639\u200c (faster payment) \u062f\u0631 \u0627\u0645\u0631\u06cc\u06a9\u0627\u0633\u062a \u06a9\u0647 \u0628\u0627 \u062d\u0645\u0627\u06cc\u062a \u062f\u0648\u0644\u062a \u0627\u06cc\u0627\u0644\u0627\u062a \u0645\u062a\u062d\u062f\u0647 \u0648 \u062a\u0648\u0633\u0637 \u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648 \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0634\u062f\u0647 \u0627\u0633\u062a. \u067e\u06cc\u0634 \u0627\u0632 \u0645\u0639\u0631\u0641\u06cc \u0627\u06cc\u0646 \u0633\u0631\u0648\u06cc\u0633 \u0644\u0627\u0632\u0645 \u0627\u0633\u062a \u0627\u0648\u0644 \u0645\u0641\u0647\u0648\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0631\u06cc\u0639\u200c \u0631\u0627 \u0645\u0631\u0648\u0631 \u06a9\u0646\u06cc\u0645.<\/p>\n\n\n\n<p>\u0627\u0646\u06af\u0644\u0633\u062a\u0627\u0646 \u062f\u0631 \u0633\u0627\u0644 \u06f2\u06f0\u06f0\u06f8 \u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u0644\u062d\u0638\u0647 (real-time) \u0631\u0627 \u0628\u0631\u0627\u06cc \u0645\u0635\u0631\u0641\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc \u06a9\u0631\u062f \u0627\u0645\u0627 \u0627\u06cc\u0646 \u06a9\u0634\u0648\u0631 \u062f\u0631 \u0627\u06cc\u0646 \u0632\u0645\u06cc\u0646\u0647 \u0627\u0648\u0644\u06cc\u0646 \u0646\u0628\u0648\u062f. \u0627\u0648\u0644\u06cc\u0646 \u0646\u0638\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u0644\u062d\u0638\u0647\u060c Zengin \u0698\u0627\u067e\u0646 \u0628\u0648\u062f \u06a9\u0647 \u067e\u0631\u062f\u0627\u0632\u0634 \u062f\u0631 \u0644\u062d\u0638\u06c0 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0631\u0627 \u0627\u0632 \u0633\u0627\u0644 \u06f1\u06f9\u06f7\u06f3 \u0622\u063a\u0627\u0632 \u06a9\u0631\u062f \u0627\u0645\u0627 \u062a\u0627\u0632\u0647 \u0627\u0632 \u0633\u0627\u0644 \u06f2\u06f0\u06f1\u06f8 \u0628\u0648\u062f \u06a9\u0647 \u0641\u0639\u0627\u0644\u06cc\u062a \u0622\u0646 \u0628\u0647 \u0635\u0648\u0631\u062a \u06f2\u06f4\/\u06f7 \u062f\u0631\u0622\u0645\u062f. \u0636\u0645\u0646 \u0627\u06cc\u0646\u200c\u06a9\u0647 \u0627\u06cc\u0646 \u0633\u06cc\u0633\u062a\u0645\u060c \u06cc\u06a9 \u0633\u06cc\u0633\u062a\u0645 \u062a\u0633\u0648\u06cc\u06c0 \u0646\u0627\u062e\u0627\u0644\u0635 \u0622\u0646\u06cc \u06cc\u0627 RTGS \u0628\u0648\u062f \u06a9\u0647 \u0628\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc (immediate) \u0645\u062a\u0641\u0627\u0648\u062a \u0627\u0633\u062a.<\/p>\n\n\n\n<p>\u062f\u0631 \u0648\u0627\u0642\u0639\u060c \u062a\u0641\u0627\u0648\u062a \u0628\u0632\u0631\u06af\u06cc \u0647\u0633\u062a \u0645\u06cc\u0627\u0646 \u067e\u0631\u062f\u0627\u062e\u062a real-time\u060c \u067e\u0631\u062f\u0627\u062e\u062a faster \u0648 \u067e\u0631\u062f\u0627\u062e\u062a immediate. \u062d\u0627\u0644 \u0622\u0646\u06a9\u0647 \u0645\u0627 \u0647\u0645\u0647 \u0631\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc \u0645\u06cc\u200c\u062e\u0648\u0627\u0646\u06cc\u0645.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0631\u06cc\u0639\u060c \u0622\u0646\u06cc \u06cc\u0627 \u0628\u0644\u0627\u062f\u0631\u0646\u06af\u061f<\/h2>\n\n\n\n<p>\u0641\u0627\u0631\u063a \u0627\u0632 \u0645\u0639\u0646\u0627\u060c \u067e\u0631\u062f\u0627\u062e\u062a real-time \u0628\u0631\u0627\u06cc \u062a\u0648\u0635\u06cc\u0641 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc \u0628\u06cc\u0646 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0648 \u0637\u0631\u0641\u200c\u0647\u0627\u06cc \u0645\u0642\u0627\u0628\u0644 \u0622\u0646\u200c\u0647\u0627\u0633\u062a. \u0686\u06cc\u0632\u06cc \u0646\u0632\u062f\u06cc\u06a9 \u0628\u0647 \u0622\u0646\u200c\u0686\u0647 \u0645\u0627 \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0628\u0627 \u0646\u0627\u0645 \u00ab\u0633\u0627\u0646\u0646\u0627\u00bb \u0645\u06cc\u200c\u0634\u0646\u0627\u0633\u06cc\u0645.<\/p>\n\n\n\n<p>\u067e\u0631\u062f\u0627\u062e\u062a faster \u0645\u0631\u0628\u0648\u0637 \u0628\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u062e\u0631\u062f \u062f\u0631 \u0633\u0637\u062d \u0645\u0635\u0631\u0641\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0627\u0633\u062a \u0648 \u067e\u0631\u062f\u0627\u062e\u062a immediate \u0628\u0647 \u0647\u0645\u06c0 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0627\u0639\u0645 \u0627\u0632 B2B \u0648 B2C \u0645\u0631\u0628\u0648\u0637 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u0645\u0648\u0636\u0648\u0639 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u0645\u0631\u06cc\u06a9\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc (Real-time Payment \u06cc\u0627 RTP) \u0631\u0627 \u0627\u0632 \u0633\u0627\u0644 \u06f2\u06f0\u06f1\u06f7 \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc \u06a9\u0631\u062f\u0647 \u0648 \u062f\u0631 \u0633\u0627\u0644 \u06af\u0630\u0634\u062a\u0647 \u067e\u0646\u062c\u0645\u06cc\u0646 \u0633\u0627\u0644\u06af\u0631\u062f \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc \u0622\u0646 \u0631\u0627 \u0628\u0627 \u06f2\u06f8\u06f5 \u0628\u0627\u0646\u06a9 \u0648 \u0645\u0624\u0633\u0633\u06c0 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0639\u0636\u0648 \u0648 \u067e\u0631\u062f\u0627\u0632\u0634 \u0628\u06cc\u0634 \u0627\u0632 \u06f7\u06f0 \u0645\u06cc\u0644\u06cc\u0627\u0631\u062f \u062f\u0644\u0627\u0631 \u062f\u0631 \u0633\u0627\u0644 <a href=\"https:\/\/www.theclearinghouse.org\/payment-systems\/rtp\">\u062c\u0634\u0646 \u06af\u0631\u0641\u062a<\/a>.<\/p>\n\n\n\n<p>\u0627\u06cc\u0646 \u0633\u0631\u0648\u06cc\u0633 \u0628\u0627 \u0633\u06cc\u0633\u062a\u0645\u06cc \u06a9\u0647 \u062a\u062d\u062a \u0639\u0646\u0648\u0627\u0646 FedNow \u0642\u0631\u0627\u0631 \u0627\u0633\u062a \u0631\u0648\u0646\u0645\u0627\u06cc\u06cc \u0634\u0648\u062f \u0645\u062a\u0641\u0627\u0648\u062a \u0627\u0633\u062a. RTP \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u0647\u0645 \u0645\u062a\u0635\u0644 \u06a9\u0631\u062f\u0647 \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 FedNow \u0642\u0631\u0627\u0631 \u0627\u0633\u062a \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627\u060c \u067e\u0630\u06cc\u0631\u0646\u062f\u0647\u200c\u0647\u0627 \u0648 \u0645\u0635\u0631\u0641\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0631\u0627 \u0628\u0647 \u0647\u0645 \u0645\u062a\u0635\u0644 \u06a9\u0646\u062f. \u0633\u06cc\u0633\u062a\u0645\u06cc \u06a9\u0647 \u0627\u06cc\u062c\u0627\u062f \u0622\u0646 \u062f\u0647 \u0633\u0627\u0644 \u0637\u0648\u0644 \u06a9\u0634\u06cc\u062f\u0647\u060c \u0628\u0647 \u0645\u062d\u0636 \u0627\u062a\u0635\u0627\u0644 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0628\u0647 \u0622\u0646\u060c \u0628\u0631\u0627\u06cc \u0647\u0645\u06c0 \u0634\u0647\u0631\u0648\u0646\u062f\u0627\u0646 \u0627\u0645\u0631\u06cc\u06a9\u0627\u06cc\u06cc \u0627\u0645\u06a9\u0627\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc (immediate) \u0641\u0631\u0627\u0647\u0645 \u062e\u0648\u0627\u0647\u062f \u0633\u0627\u062e\u062a.<\/p>\n\n\n\n<p>FedNow \u0628\u0631 \u0627\u0633\u0627\u0633 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u0628\u0648\u0645\u06cc ISO20022 \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f \u0648 \u0627\u06cc\u0646 \u0628\u0647 \u0645\u0639\u0646\u0627\u06cc \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u0628\u0647 \u0644\u062d\u0627\u0638 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634\u06cc \u063a\u0646\u06cc\u200c\u062a\u0631 \u062e\u0648\u0627\u0647\u0646\u062f \u0628\u0648\u062f. \u0627\u0632 \u0627\u06cc\u0646 \u0645\u0646\u0638\u0631\u060c FedNow \u0628\u0631\u0627\u06cc \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627\u060c \u062e\u0631\u062f\u0647\u200c\u0641\u0631\u0648\u0634\u06cc \u0648 \u067e\u0630\u06cc\u0631\u0646\u062f\u0647\u200c\u0647\u0627 \u06a9\u0647 \u0645\u062f\u0639\u06cc \u0628\u0648\u062f\u0646\u062f \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0631\u06cc\u0639 \u0648 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u0627\u06a9\u0646\u0634\u06cc \u063a\u0646\u06cc\u200c\u062a\u0631 \u0628\u0631 \u062a\u0635\u0645\u06cc\u0645 \u0622\u0646\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc \u062a\u063a\u06cc\u06cc\u0631 \u0628\u0627\u0646\u06a9\u0634\u0627\u0646 \u062a\u0623\u062b\u06cc\u0631\u06af\u0630\u0627\u0631 \u0627\u0633\u062a\u060c \u06cc\u06a9 \u062d\u0631\u06a9\u062a \u0631\u0648\u0628\u0647\u200c\u062c\u0644\u0648 \u0645\u062d\u0633\u0648\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u0628\u0631 \u0627\u0633\u0627\u0633 <a href=\"https:\/\/www.frbservices.org\/news\/press-releases\/083121-federal-reserve-survey-businesses-increasingly-demand-faster-payments\">\u067e\u06cc\u0645\u0627\u06cc\u0634 \u0633\u0627\u0644 \u06f2\u06f0\u06f2\u06f1 \u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648<\/a>\u060c \u062f\u0648\u0633\u0648\u0645 \u067e\u0631\u0633\u0634\u200c\u0634\u0648\u0646\u062f\u06af\u0627\u0646 \u0648 \u0628\u06cc\u0634 \u0627\u0632 \u0633\u0647\u200c\u0686\u0647\u0627\u0631\u0645 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0634\u0631\u06a9\u062a\u200c\u06a9\u0646\u0646\u062f\u0647 \u062f\u0631 \u067e\u06cc\u0645\u0627\u06cc\u0634 \u0627\u0628\u0631\u0627\u0632 \u06a9\u0631\u062f\u0647 \u0628\u0648\u062f\u0646\u062f \u06a9\u0647 \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u067e\u0631\u062f\u0627\u062e\u062a faster \u0639\u0627\u0645\u0644\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631 \u062a\u0635\u0645\u06cc\u0645 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\u0633\u0647 \u0631\u0648\u0632 \u06cc\u0627 \u0628\u06cc\u0634\u062a\u0631 \u0637\u0648\u0644 \u0645\u06cc\u200c\u06a9\u0634\u062f \u0627\u0645\u0627 \u0628\u0627 \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc FedNow\u060c \u067e\u0631\u062f\u0627\u062e\u062a Zelle \u0622\u0646\u06cc \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f. \u0627\u06cc\u0646 \u0633\u06cc\u0633\u062a\u0645 \u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u0631\u0627\u06cc \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u062f\u0631 \u0645\u0642\u0627\u0628\u0644 \u0646\u0648\u0622\u0648\u0631\u0627\u0646 \u062f\u0631 \u0641\u06cc\u0646\u200c\u062a\u06a9\u200c\u0647\u0627 \u06cc\u06a9 \u0627\u0647\u0631\u0645 \u0631\u0642\u0627\u0628\u062a\u06cc \u0641\u0631\u0627\u0647\u0645 \u062e\u0648\u0627\u0647\u062f \u06a9\u0631\u062f. \u0686\u0631\u0627 \u06a9\u0647 \u0641\u06cc\u0646\u200c\u200c\u062a\u06a9\u200c\u0647\u0627 \u0627\u0632 \u0633\u0631\u0648\u06cc\u0633 \u067e\u0631\u062f\u0627\u062e\u062a 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\u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648 \u067e\u06cc\u0627\u062f\u0647\u200c\u0633\u0627\u0632\u06cc \u0634\u062f\u0647 \u0627\u0633\u062a.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/meemalef.ir\/?p=2817\" \/>\n<meta property=\"og:locale\" content=\"fa_IR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0631\u0648\u0646\u0645\u0627\u06cc\u06cc \u0641\u062f\u0631\u0627\u0644 \u0631\u0632\u0631\u0648 \u0627\u0632 FedNow - \u0645\u06cc\u0645.\u0627\u0644\u0641\" \/>\n<meta property=\"og:description\" content=\"FedNow \u06cc\u06a9 \u0633\u0631\u0648\u06cc\u0633 \u067e\u0631\u062f\u0627\u062e\u062a \u0622\u0646\u06cc \u062f\u0631 \u0627\u0645\u0631\u06cc\u06a9\u0627\u0633\u062a \u06a9\u0647 \u0628\u0627 \u062d\u0645\u0627\u06cc\u062a \u062f\u0648\u0644\u062a \u0627\u06cc\u0627\u0644\u0627\u062a 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