Book Brief
Title: Whole World United Payment System (WWUPS): A Unified, Interoperable, and Mathematically Modeled Global Financial Infrastructure – One World, One Payment System – One Low-Cost Global Interoperability Protocol
Author: Mokhdum Mashrafi
ISBN: 978-93-92585-06-7
Language: English
Publication Year: 2026
Publisher: EduPub
Whole World United Payment System (WWUPS) presents a visionary framework for building a globally unified payment ecosystem capable of connecting banks, digital wallets, fintech platforms, central banks, and financial institutions under a single interoperable protocol. The book explores how fragmented national and regional payment systems can evolve into a seamless international financial infrastructure that enables secure, real-time, low-cost, and universally accessible transactions. Inspired by the success of interoperable payment innovations such as India’s Unified Payments Interface (UPI), the author expands the concept toward a mathematically modeled worldwide financial architecture.
The book introduces the concept of “One World, One Payment System,” emphasizing interoperability, inclusivity, scalability, and financial democratization. It discusses the integration of digital public infrastructure, blockchain-enabled settlements, artificial intelligence-driven fraud prevention, decentralized verification systems, and cross-border transaction optimization. Through mathematical models, algorithmic frameworks, and systems-engineering approaches, the author proposes mechanisms for transaction routing, liquidity balancing, interoperability governance, and cost minimization in a globally connected payment ecosystem.
Designed for researchers, policymakers, economists, fintech innovators, banking professionals, and students of finance and technology, this book bridges the gap between theoretical financial modeling and practical digital payment implementation. It highlights how a unified payment infrastructure can support financial inclusion, reduce transaction friction, enhance global trade, and strengthen economic connectivity across nations. The work contributes to emerging discussions on digital currencies, fast payment systems, interoperability standards, and the future of global financial governance.
