Russian presidential foreign policy adviser Ushakov said that the BRICS cooperation on the cross-border transfer system will be based on advanced tools such as digital technology and blockchain. This will effectively solve the problems existing in the current cross-border transfer system. The establishment of a common cross-border transfer system among the BRICS countries will be a steady and gradual process, and its prospects need to be further observed. Guo Hanbing, a postdoctoral researcher at the Institute of Finance of the Chinese Academy of Social Sciences, pointed out that the Hong Kong dollar instant payment and settlement system is efficient and stable and has international standards. It can be used as an important entry point for Hong Kong to participate in the construction of a new payment system. Combining blockchain technology to create a distributed ledger payment scheme and improve payment efficiency. In addition, by collaborating to develop artificial intelligence-driven payment risk prediction models to accurately identify and prevent payment risks, the new payment system will be more stable and reliable, and Hong Kong will solidify its fintech leadership in the process.