The whole project on one page. The same document as the print PDF beside it, laid out to be read on a screen rather than folded into a sheet.
The print version, one page, Letter:
A set of simulated counterparts of the institutions a payment or financial application must talk to in the Dominican Republic, organized exactly as the Central Bank organizes the real thing: the systems that make up the SIPARD, the participants that hold accounts in it, the payment-service providers the Reglamento recognizes, the instruments it classifies, the support entities around them, and the rules that govern the whole.
Each counterpart speaks the real protocol and message format of its kind, keeps state — accounts, balances, cards, electronic payment accounts, cases — obeys the rules the Reglamento sets for participation, timing, limits, irrevocability and records, and can be put into failure and adversarial modes. A team plugs its application in and runs a whole process end to end, from onboarding to settlement in the simulated LBTR to a suspicious-transaction report, without touching a real institution, a real person or real money. Every message is recorded and the run produces an instrumented report.
The value is that all the counterparts exist together, consistently, in one place, with one synthetic population moving through them — so a process that crosses six organizations is exercised as one process, under the rules that will apply when it is real.
The Sistema de Gestión de Pagos Instantáneos credits the beneficiary within 10 seconds, runs 24/7/365, addresses by alias and notifies both parties immediately. Every financial-intermediation entity, electronic-payment entity, acquirer and sub-acquirer is a mandatory participant. Nobody in the country can integrate against it yet.
Reglamento Art. 60–62 · Art. 61 §I · BCRD SGPI page
A would-be electronic-payment entity, wallet provider or payment-initiation provider cannot get a bank’s test environment before it has a bank, and cannot get a bank without a working flow. The ecosystem breaks that loop.
A provider preparing a request for the Central Bank’s no objection needs exactly what an instrumented run produces: a description, an operating scheme, the list of providers, support entities and participants, and evidence for a risk-materiality analysis.
Reglamento Art. 83
A console at ecosystem.financial with a world switcher, a REST API that publishes its own OpenAPI contract, 150+ endpoints, webhooks that tell an application what happened, a machine lane for real ATM and ITM integrations. Transfers as ISO 20022-shaped JSON; card responses carry the ISO 8583 projection.
One team key, sent as x-lab-api-key. Each key is its own world — seed, clock, ledgers and reports — persisted in Firestore, deterministic from its seed and resettable. It is born with 5+ institutions, 200+ synthetic people and 40+ businesses holding accounts, balances, cards and SGPI aliases, plus flagged adversaries.
Cards end to end — acquirer and sub-acquirer, two card schemes, clearing settled net in the LBTR, disputes — wallet, initiation and gateway providers, a QR profile, consent, the simulated supervisors, the financial-intelligence unit and the compliance plug, cheque clearing, chaos mode, sponsored nodes with a private vendor lane, certification runs and the Art. 83 dossier.
A public simulation runs in the browser at financialecosystem.io/simulate/ — no key, nothing to install: a transfer, a cash withdrawal or a card purchase, run live with every rule cited. The technical manual, the request-key form and the feedback form are on the same site.
Development phases are history and tell a reader nothing. What matters is what stands today, what comes next, and what is not ours to decide.
The questions are written up as a consultation to the Banco Central, open to read: Waiting on the Bank — the open questions
Everything the simulation asserts rests on a checked source: 136 sources verified against their primary texts. In the official taxonomy of innovation facilitators this is a regulatory accelerator or regtech lab — not a sandbox, and Art. 83 is a no-objection filing duty, not a sandbox regime.
180+
Today this is a simulation, not a digital twin in the strict sense: there is not yet a finished system to be a twin of, since the instant-payments system is being built now. Our aim is to become the true digital twin of the Dominican financial ecosystem as it takes shape, following the work and guidelines of the Central Bank, the Superintendencia and the industry.
Partnerships and team keys: partners@cemi.ai · Investment: invest@cemi.ai
Carlos Miranda Levy · Coordinator of CEMI’s Enhanced Intelligences