CEMI · Financial Innovation Lab
The ecosystem map
Every actor a team can reach, on the five elements of the Central Bank’s own diagram, and every rail between them. Nothing here is drawn by hand: the nodes are the cast a world is built from and the edges are derived from the published scenarios and from what each actor’s configuration names.
43 nodes · 33 simulated counterparts · 115 links · 49 scenarios
The five elements
Communication networksThe ways in and the machines: the gateway, the message bus, the public simulation, the terminals on the Lab floor and a sponsor’s vendor lanes.
Entities that offer and operate payment instrumentsBanks, the electronic-payment entity, the acquiring lane, the three providers the Reglamento newly recognizes, and the insurance, remittance and exchange lanes.
Payment instruments — the systems that clear themOne engine per instrument class of Art. 78: direct debit and credit, cheques, cards, the machines, and the regional corridor.
Support entitiesWhat the ecosystem asks rather than instructs: the registry and verification, the two credit bureaus, the operator, the tax authority and the social-security treasury.
Laws, conventions, rules and proceduresThe simulated Central Bank as administrator and settler, the supervisors, the vigilancia that Art. 48 keeps separate from it, the financial-intelligence unit and the compliance and monitoring lane.
What is standing, and what is not
LiveStanding today. A team with a key reaches it now.
PlannedDeclared in this repository and not yet joined: a machine profile under nodes/floor/, or a supervisory seat in teams.yaml. A flag in that same file makes it live. Nothing is on this map that no file declares.
Awaiting the BankThe rules on this rail run on the Lab’s reading of an assumption the register still has open against the instructivos. It clears itself when the assumptions register closes the entry.
Rails
LBTRGross settlement, instruction by instruction, in the participants’ current accounts at the simulated Central Bank. Irrevocable once settled.
SGPIThe interbank payments system: alias addressing, the ten-second and four-minute deadlines, and mandatory participation for the roles Art. 61 names.
Pagos al InstanteFinal credit within eight minutes, seven days a week from 07:00 to 23:00, with the weekday pause and the deferral to 08:00 on the next business day.
Direct debit and creditBatch cycles with a business-day calendar, returns with reason codes, and the net result settled in the LBTR.
Cheque clearingImages exchanged between participants, cycles with returns, and the net result settled at the rank IN-36-005 numeral 21 gives it.
Card networkAuthorization routed to the issuer that owns the BIN, network tokens, 3-D Secure, clearing cycles settled net in the LBTR (Art. 79).
ATM and ITM switchThe machine lane: cardholder and cardless withdrawals, deposits with recognition, and the cycle settled net in the LBTR.
SIPA corridorRegional transfers in United States dollars, inside the weekday window, settled into the correspondent account at the simulated Central Bank.
Message busEverything else one actor asks of another — a score, a screening, a consent, a record — signed, time-stamped and in the trace.
Supervisory readingThe read-only rail. A supervisory seat reads every world’s traces, run reports and rule verdicts, and the vigilancia views; it operates nothing and starts no run.
A scenario names its own cast, so an id it uses that no lab world stands up is resolved onto the counterpart of the same kind. Those resolutions are in the JSON.