Roadmap
The plan has five phases. Four of them are finished and the fifth is under way. What each phase delivered is listed as the plan lists it, and what the fifth is waiting for is named beside each item it waits on.
Specification
Completed in 2026Deliverables
- An actor catalogue keyed to the Reglamento’s own roles.
- The message contracts, and the scenario format.
- A rule catalogue in which every rule cites its article and carries its resolution and that resolution’s date.
- The synthetic-population model.
- The naming and the disclaimers: a Lab name on every institution, and a visible notice.
- A reading of the three instructivos — administrators and acquirers, electronic-payment entities and e-payment accounts, and the LBTR — for their operational parameters.
Minimum ecosystem
Completed in 2026Deliverables
- The gateway, the message bus, and the control plane with its rules, scenarios and traces.
- The simulated Central Bank with current accounts and the LBTR.
- The SGPI with its ten-second service level and its alias directory.
- Two banks, one electronic-payment entity, and the direct-debit and direct-credit administrator.
- The ATM host, wired to the Lab floor.
- Identity, and one credit bureau.
- The processes: onboarding, internal transfers, direct credit, Pagos al Instante, high-value settlement in the LBTR, and a cardless withdrawal at the machine.
Cards, compliance, settlement
Completed in 2026Deliverables
- The acquirer and the sub-acquirer, and two card processors.
- The wallet, initiation and gateway providers, and the agents.
- The signature and time-stamp entity.
- The simulated supervisors and the simulated financial-intelligence unit, with CEMI Cumplimiento as a participant.
- The SGPI raised to stateful fidelity, and net settlement in the LBTR.
- Chaos mode, and the first report generator.
- The processes: cards end to end, QR and initiation, agents and cash, compliance and records, and incidents.
Widening
Completed in 2026Deliverables
- Cheque clearing and the SCC.
- Insurers and brokers; remittance and foreign-exchange agents; the SIPA counterpart.
- Telcos, the tax authority and social security, and a second credit bureau.
- The adversarial population, and time acceleration.
- Certification runs, and the Art. 83 dossier output.
- The processes: cheques, credit, insurance, remittances and the regional lane, business, fraud, and the regulatory dossier.
Opening
Under wayDeliverables
- The public catalogue and the documentation.
- Self-service keys for programmes and the Competition.
- Sponsored nodes.
- Regulator and academic access.
- Alignment with each new Central Bank instructivo as it is published.
Under way, and what each item waits on
The QR standard and the SGPI operating rulesEach one enters the rule catalogue as its instructivo lands. Until it does, the simulator runs on a stated assumption and every run report names the assumptions it ran under.
Regulator and academic seatsBuilt and enforced: a regulator seat reads every world and operates nothing; an academic seat operates its own world and reads no other. Acceptance is pending, and a seat is not an agreement — none exists.
The NCR machines on the Lab floorThe machine lane is built and contracted, and only software has ever driven it. The node stays planned until a machine is connected.
The first sponsored nodeAn institution sponsoring its own kind of node, with its own formats and rules and a private vendor lane. The lane and the pack are built; the first partner is ahead.
Certification as a priced productCertification runs exist and produce their pack. Pricing them — per run and per scenario pack — is the step that has not been taken.
The proposed tokenised-money extensionA proposed extension, available for testing today in a world that opts in, standing outside the regulated providers, awaiting the Bank’s view.
Every open question, and the ones that are not ours to answer: The open gaps and the questions to the Bank
The proposed extension, written up in full: Tokenised money — a working proposal
Phases are recorded by the year they were completed and by nothing finer. How long a phase took is not a property of the ecosystem, and a reader integrating against it has no use for it.