BRICS Pay — Documentation Catalog
Official Source: https://docs.brics-pay.com/
Description Update Date: March 30, 2026
Document Languages: English and Russian (many documents available in both)
1. General Project Description
BRICS Pay is a decentralized digital payment ecosystem developed under the BRICS Business Council.
Its goal is to simplify cross-border settlements between BRICS+ countries in national currencies, create an alternative to centralized systems (SWIFT, SPFS, CIPS, etc.), ensure low fees, high speed, and resilience to geopolitical risks.
Key components:

DCMS (Decentralized Cross-border Messaging System) — a decentralized system for exchanging financial messages (SWIFT-like, but without a single center).
BRICS Pay C2B mobile application for consumer-to-business payments via QR codes.
Payment processing and integration with national payment systems (SBP, UPI, Pix, etc.).
Support for multiple currencies and digital assets.
Horizontally scalable architecture with no single point of failure.

The project aligns with UN Sustainable Development Goals (financial inclusion, innovation, poverty reduction).
2. Catalog Structure (All Available Documents)
Technical Documentation:

BRICS_DCMS_Tech_Doc.pdf — Technical Documentation for BRICS DCMS.
Covers: node configuration, Swagger API, system architecture, deployment (Docker and non-Docker), message formats, security, and requirements.
BRICS_DCMS_User_manual.pdf — User Manual for BRICS DCMS.
Covers: general information about the decentralized financial messaging system, advantages, integration with liquidity, SWIFT format compatibility, and test node addresses.

Strategic and Overview Documents:

BRICS-Pay-Strategic-Vision-en.pdf — BRICS Pay Strategic Vision (Helicopter View).
Covers: implementation stages (2018–2024 foundations, 2025–2027 launch and scaling, 2028–2030 sovereign systems, 2030+ global ecosystem), project philosophy, mission, advantages, partners, technology demonstrator at BRICS Business Forum 2024, and C2B launch plans.
BRICS-Pay-Strategic-Vision-ru.pdf — Russian version of the Strategic Vision.

Mobile Application Documentation (C2B):

BPA_User_Manual_App_en.pdf — User Manual for BRICS Pay (C2B) Application.
Covers: registration (by phone or email), authorization, KYC process, adding and managing bank cards, balance top-up, QR code scanning and generation for payments, transaction history, shops, 2FA setup, language/currency/theme changes, technical support, and logout.
BPA_User_Manual_App_ru.pdf — Russian version of the App User Manual.

Legal and Compliance Documents:

BRICS_Pay_Consortium.pdf / BRICS_Pay_Consortium-RU.pdf — Agreement on the BRICS Pay Consortium.
Covers: goals, areas of cooperation, forms of participation, rights and obligations, membership process.
BPA_License_Agreement_en.pdf / BPA_License_Agreement_ru.pdf — License Agreement for the BPA Application.
BPS_User_Agreement_en.pdf / BPS_User_Agreement_ru.pdf — User Agreement for the BPS Website.
BPA_Personal_Data_Policy_en.pdf / BPS_Personal_Data_Policy_en.pdf / Personal_Data_Policy.pdf — Personal Data Processing Policies.
Annual BRICS Reports (BRICS_ar_2018.pdf – BRICS_ar_2025.pdf) — Annual reports of the BRICS Business Council.

Other Materials:

Press releases (e.g., BP_241025_press_release_en.pdf).
Demo and event documents (Application forms, Demo_Data_Consent.pdf, Demo_Event_Rules.pdf, etc.).
Press kit (BRICS_Pay_PressKIT.zip).
HTML versions of some policies and agreements.

API Documentation:
REST API for integration is referenced in technical documents (Swagger available at test nodes, e.g., http://dcms.dev.dltc.spbu.ru:3001/api).
Patents:

No. 2824341 — Selection of payment system in the application.
No. 2801424 — QR payment without internet.

3. Key Topics for AI and Search
Main Topics for Vectorization / Semantic Search:

DCMS (Decentralized Cross-border Messaging System)
BRICS Pay C2B Application (registration, KYC, QR payments, 2FA)
Strategic Vision and Implementation Stages of BRICS Pay (2025–2027, 2028–2030)
Decentralized Architecture for BRICS+ Payments
Integration with National Payment Systems
Privacy Policies and User Agreements
Node Deployment and Configuration for DCMS

Recommended Keywords (for SEO and RAG):
BRICS Pay, DCMS, Decentralized Cross-border Messaging System, BRICS Business Council, cross-border payments, national currencies BRICS, QR payments, SWIFT alternative, decentralized payments, BRICS+ payments, C2B BRICS Pay, Consortium Agreement, Personal Data Policy.
4. Usage Recommendations

For RAG systems: Load all PDF files separately + use this catalog as metadata/overview.
For search engines: Publish this file in Markdown/HTML format with proper H1–H3 headings and meta tags.
Some files from 2025 appear to be placeholders (0 B size) — their content may be updated later.