CEMI · Financial Innovation Lab
Try it live
Pick a person, an operation and an amount. The operation runs live against the simulated ecosystem and you see every step — including everything that happens behind the counter, which is most of it.
Loading the demonstration world…
1Choose a person
2Choose the operation
3Choose the amount
A named failure profile from the Lab’s own catalogue, injected at a fixed seed so that the same operation asked for the same incident meets the same faults, on the same operations, at the same simulated instants.
A LAB FACILITY, NOT A REGULATORY EXERCISE. Nothing moves value: a call is refused, delayed, corrupted so that the ecosystem’s own signature check catches it, or an instruction holds in the queue where the instructivo already holds it.
The operation, live
This browser has no voice installed for this language, so the narration stays silent. The steps still arrive with their written explanation.
Narration: studio voice for each step, your browser’s voice for the figures.
What the customer sees
Back office
None of this is visible to the customer. It is most of the operation.
How it works
Ninety seconds: a person, an operation, an amount, and the whole run — the two lanes, the postings, the rules with their articles, the receipt.
All of this is simulated
- Every institution carries a Lab name and no institution being modelled has endorsed this. There are no real credentials, keys, BINs, routing identifiers or certificates anywhere.
- Every person is synthetic, generated from this world’s seed. The documents carry a
LAB-prefix and are shown here masked; they correspond to no real person. - This is NOT an «ambiente de prueba» under Art. 83 of the Reglamento de Sistemas de Pago: there are no real providers and no real external users, so it does not fall under the no-objection regime.
- The world is shared and reset every day at 04:00. What you do here is visible to the next visitors until then, and to nobody afterwards.
- “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.”