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Digitizing transfers under central-bank oversight

How transfer networks move to reliable digital operations under central-bank oversight with a verifiable ledger and instant settlements.

How are transfers digitized under central-bank oversight?

Direct answer

Transfers are digitized by moving them onto a tamper-evident double-entry ledger that signs and chains every entry, with in-flow sanctions screening, a unified tracking number, and instant settlements via mirror accounts. This gives the supervising authority reliable read-only visibility while keeping control with the company: you decide what is shared and when.

Frame

Transfer networks rely on trust and manual settlement between parties. Under central-bank oversight, they move to digital operations that preserve trust and add verifiable proof.

Digitization components

Signed and chained ledger: every double-entry signed by hash, non-modifiable.
In-flow screening: automatic sanctions screening before posting.
Mirror accounts: each partnership creates two identical accounts, instant settlement.
Unified tracking: a non-sequential, non-guessable national number across all companies.
Offline field agent: works in the field and syncs later.

Oversight vs. control balance

Aspect	Supervising authority	Company
Ledger visibility	read-only per what you grant	full
Edit data	no	yes
Data ownership	—	full on your devices
Choose what’s shared	—	you decide

Next step

See interoperability and the agent app, or start a trial to see mirror accounts and instant settlements.

FAQ

Does digitization remove the trust-based nature of transfers?

No, it strengthens it. Trust between parties remains, but the signed ledger ends settlement disputes and gives each party a verifiable proof.

Does the central bank see everything?

You grant what you choose, read-only, with no edit rights on your data. The ledger is yours on your devices.

Does the system support offline work?

Yes, the field agent app works offline and syncs later via an outbox reducer that resolves conflicts and preserves order.

Sources

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