The clock and the processes

Time is a parameter here, and the clock enforces the real rules: the ten seconds the SGPI has to credit a beneficiary, the windows a cycle settles in, the values the Junta Monetaria sets each January. Under them run the processes, end to end.

The clock enforces the real rules

Timing is not decoration. In the control plane each deadline, window and cap is an executable rule that cites its article, and a rule that fails becomes a finding in the report. When the Junta Monetaria adjusts a value, it changes in one place.

Time to final credit

SGPIinstant payments · 10 secondsArt. 61 §I

LBTRthird-party credit · 4 minutesArt. 57

Pagos al Instantefinal credit · 8 minutesBCRD page

Availability across the day

SGPI24 hours, 7 days, 365 days

Pagos al Instante7:00–23:00 every day · weekday pause 16:00–18:30 · after 23:00 executes at 8:00 on the next business day

SIPAweekdays 7:00–17:00 Dominican time

RD$79,000funding and balance cap on an electronic payment account, and on a prepaid card, not to be exceeded within any 30-day window. 2026 value.Art. 78 §II · Quinta Resolución, 29 Jan 2026

Zerocharges to the beneficiary of a transfer or payment. A run in which the receiving institution deducts anything is a failed run.Art. 81 · Art. 56 §II

10 yearsof stored transactions — including rejected ones and adjustments — with full user access to view, search, copy, download and print, and delivery to the Central Bank and supervisors without undue delay.Art. 41–42

Irrevocableonce settled in the LBTR; revocable only while queued. Net results of each clearing cycle settle in the LBTR.Art. 66 · Art. 67 · Art. 79

Time itself is a parameter of the run: wall-clock, accelerated — a month of instalments in an hour — or stepped, so a team can stand on the end-of-day cut-off, the weekday pause or the closing of the SIPA window and watch what its application does.

Fifteen processes, end to end

Each process is a scenario: ordered messages across actors, expected states at every step, the variants that must be handled, and the rule it enforces.

01Onboarding and account opening

Identity, bureau, risk scoring, account or electronic payment account creation, card or credential issuance, additional credentials with their own limits on one balance, first funding at a bank, an agent or a machine. Variants: document mismatch, PEP hit, minor, non-resident, thin file, cap reached.

Art. 19 · Art. 19 §V · cap RD$79,000

02Electronic funds transfers

Internal; direct credit and direct debit through the simulated administrator, with returns; Pagos al Instante with the 8-minute credit and the 7:00–23:00 window; SGPI with the 10-second credit, alias resolution and 24/7/365; high-value through the LBTR. Variants: insufficient funds, queued then revoked, window closed, duplicate — and a beneficiary charged, which must fail.

Art. 57 · Art. 61 §I · Art. 66 · Art. 81

03Cards

POS authorization, e-commerce with 3-D Secure, ATM withdrawal on the Lab floor through the simulated network administrator, clearing and settlement of net results in the LBTR, the chargeback lifecycle, a tokenized card in a wallet, the prepaid cap.

Art. 79 · Art. 78 §II

04ATM / ITM phygital

Cardless withdrawal started on the phone and finished on the machine, deposit with recognition, remittance payout, an electronic payment account opened at the machine, a QR payment presented by the machine.

Art. 20 · Art. 78 §IV

05QR and payment initiation

A wallet or initiation provider builds an order from a merchant’s QR, obtains verifiable consent and initiates against the user’s bank without ever holding the funds.

Art. 4 mm · Art. 38–40

06Agents and cash

Cash-in and cash-out at an agente de pago electrónico or a subagente bancario, enrolment at the counter, card delivery.

Art. 26 · Art. 27

07Cheques

Issuance to the standard, digitization and truncation, image exchange in the simulated cheque clearing system, net settlement, return.

Título IX

08Credit

Pre-approval from bureau data plus behaviour, disbursement, instalments collected by direct debit, delinquency, restructuring.

direct debit · Art. 78

09Insurance

Quote from a bank channel or a machine, bind and premium by direct debit or card, claim with document upload, payout; embedded insurance on a loan or a transfer.

instrument engines

10Remittances and regional

An inbound remittance credited to an electronic payment account in Dominican pesos at the origin rate and reported as a foreign-exchange purchase; a SIPA transfer in US dollars inside the weekday window.

Art. 20 §I · SIPA

11Compliance and records

Sanctions and PEP screening, transaction monitoring, case management, suspicious- and cash-transaction reports to the simulated financial-intelligence unit, regulatory reports to the simulated supervisor, and the 10-year record with rejected transactions and adjustments and full user access. CEMI Cumplimiento plugs in here as a live participant.

Art. 41–44 · Ley 155-17

12Business

Payroll, supplier payments, e-invoicing acknowledgements, tax withholdings, merchant settlement.

direct credit · settlement

13Incident and resilience

An administrator goes down mid-cycle, the LBTR queue stalls, a message is corrupted, a reconciliation breaks. The application must degrade well. This is the chaos mode.

chaos mode

14Fraud and adversarial

Account takeover, mule networks, synthetic identity, card testing, social engineering at the machine. The synthetic population includes adversaries and the run scores detection.

adversarial mode

15Regulatory dossier

The run’s outputs assembled into the shape of a no-objection request: description, operating scheme, participants and support entities, risk-materiality evidence. The Lab grants nothing; it produces the evidence.

Art. 83