A cross-border payment and clearing system and a cross-border payment and clearing method that are based on the Internet and that do not depend on messages. The system and the method get rid of an existing clearing system based on messages, and high speed and low cost cross-border payment and clearing are implemented by means of communication without messages that is based on the Internet and counterparty transaction of members, and further, a trilateral clearing mode is implemented that ordinary corporations, natural persons, and the like directly submit a cross-border payment request to the clearing system, and the clearing system performs real-time payment and clearing according to a member of a payment corporate that is appointed by the clearing system or that is preferred, so that a large number of intermediate links and message transmission are omitted, and efficiency is greatly improved. The system supports both legal currency clearing and digital currency clearing, and fully uses features of digital currency and locks, releases, and pays out security deposit, to further reduce a risk, and has important uses in the fields of currency clearing, international trade, cross-border electronic commerce, and the like.
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