Aequus MoneyPrepared for SolideFinance
Payment Rails

Bank payment rails by market

Bank-account clearing & settlement systems worldwide, each mapped to its currency and the countries it reaches.
Accessible
139 rails
49 currencies
139
Rails shown
48
Currencies
166
Countries
16
Consumer wallets
24
Mobile money
Off
Hide wallets
EUR10 rails
BizumWallet
Instant
Instant
Max / txn€1,000≈ $1k
Proxymobile
Account typeProxy
FormatPXY
Spanish mobile P2P scheme, bank-account linked.
Spain
iDEALWallet
Instant
Instant
Max / txnBank-set
ProxyBank redirect
Account typeProxy
FormatPXY
Dutch bank-based online payments (adding wallet in iDEAL 2.0).
Netherlands
MB WAYWallet
Instant
Instant
Max / txn€750/day≈ $810
Proxymobile
Account typeProxy
FormatPXY
Portuguese mobile payments (P2P, in-store, online).
Portugal
Payconiq / BancontactWallet
Instant
Instant
Max / txnBank-set
Proxymobile / QR
Account typeProxy
FormatPXY
Belgian mobile & QR payments.
Belgium
SatispayWallet
Instant
Instant
Max / txnBank-set
Proxy
Account typeProxy
FormatPXY
Italian mobile payment network, IBAN-linked.
Italy
SEPA Instant (SCT Inst)
Instant
Instant
Max / txn€100,000≈ $108k
Proxy
Account typeBank Account N°
FormatIBAN
10-second euro instant payments, 24/7.
DEFRITESNLBEIEPT
SEPA
TIPS
Instant
Instant
Max / txn€100,000≈ $108k
Proxy
Account typeBank Account N°
FormatIBAN
TARGET Instant Payment Settlement.
DEFRITES
Eurozone
WeroWallet
Instant
Instant
Max / txnBank-set
Proxymobile / email
Account typeProxy
FormatPXY
Account-to-account instant payments (person-to-person, e-commerce).
DEFRBE
EPI · account-to-account
European Payments Initiative wallet built on SEPA Instant; expanding to Netherlands & Luxembourg.
SEPA Credit Transfer (SCT)
ACH · batch
ACH · batch
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatIBAN
Standard euro credit transfer across the SEPA area.
DEFRITESNLBEIEPTATFI
SEPA (36 countries)
SEPA also covers non-EU participants: Liechtenstein, Iceland & Norway (EEA), plus Monaco, San Marino, Andorra, Vatican City, Switzerland & the UK.
SEPA Direct Debit (SDD)
Direct debit
Direct debit
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatIBAN
Core & B2B euro direct debit.
DEFRITESNL
SEPA
XOF9 rails
BCEAO Instant Payments
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
BCEAO interoperable instant payments (2024+).
SNCIMLBJTGBF
WAEMU
Interoperable instant scheme linking banks, e-money & mobile money across WAEMU.
BCEAO Instant Payments
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
BCEAO interoperable instant payments (2024+).
SNCIMLBJTGBF
WAEMU
Interoperable instant scheme linking banks, e-money & mobile money across WAEMU.
GIM-UEMOA
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Regional interbank card & switch.
SNCIMLBJ
WAEMU
GIM-UEMOA
Instant
Instant
Proxy
Account typeCard N°
FormatPAN
Regional interbank card & switch.
SNCIMLBJ
WAEMU
Moov Money
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
CIBJTG
WAEMU
MTN MoMo (Côte d’Ivoire)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
Côte d’Ivoire
Orange Money (West Africa)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
SNCIMLBJ
WAEMU
Wave
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Low-cost mobile money wallet.
SNCIML
Senegal · Côte d’Ivoire
SICA-UEMOA
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatIBAN
BCEAO regional retail clearing.
SNCIMLBJTGBF
WAEMU · 8 countries
IDRIndonesia7 rails
BI-FAST
Instant
Instant
Proxy
Account typeBank Account N°
FormatBCA
Bank Indonesia fast payments.
DANA
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Indonesian e-wallet.
GoPay
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Gojek e-wallet.
OVO
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Indonesian e-wallet.
QRIS
Instant
Instant
Proxy
Account typeBank Account N°
FormatBCA
National QR standard overlaying banks & wallets (Bank Indonesia).
QRIS
Instant
Instant
Proxy
Account typeProxy
FormatPXY
National QR standard overlaying banks & wallets (Bank Indonesia).
SKNBI
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatBCA
Sistem Kliring Nasional Bank Indonesia — national batch clearing.
COPColombia5 rails
Bre-B
Instant
Instant
Proxy
Account typeBank Account N°
Banco de la República interoperable instant payments (live Oct 2025).
interoperable IPS
Alias-based directory (DICE) + 24/7 settlement (MOL) unifying Transfiya, EntreCuentas & others.
Bre-B
Instant
Instant
Proxy
Account typeProxy
FormatPXY
Banco de la República interoperable instant payments (live Oct 2025).
interoperable IPS
Alias-based directory (DICE) + 24/7 settlement (MOL) unifying Transfiya, EntreCuentas & others.
Nequi
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Colombian digital wallet (Bancolombia).
PSE
Instant
Instant
Proxy
Account typeBank Account N°
Online bank-debit — pay directly from a bank account (ACH Colombia).
Transfiya
Instant
Instant
Proxy
Account typeBank Account N°
ACH Colombia account-to-account instant transfers.
KHRCambodia4 rails
Bakong
Instant
Instant
Proxy
Account typeBank Account N°
National Bank of Cambodia retail instant payment platform (2020).
KHR & USD
Settles in both KHR and USD; blockchain-based, interoperable across banks & wallets.
Bakong
Instant
Instant
Proxy
Account typeProxy
FormatPXY
National Bank of Cambodia retail instant payment platform (2020).
KHR & USD
Settles in both KHR and USD; blockchain-based, interoperable across banks & wallets.
FAST Payment (Cambodia)
Instant
Instant
Proxy
Account typeBank Account N°
NBC interbank fast fund transfer.
Wing
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Cambodian mobile money.
PHPPhilippines4 rails
GCash
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Dominant PH e-wallet (bank/InstaPay-linked).
InstaPay
Instant
Instant
Proxy
Account typeBank Account N°
Real-time low-value.
Maya
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
PH e-wallet & digital bank.
PESONet
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
Batch EFT.
TZSTanzania4 rails
M-Pesa (Tanzania)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Vodacom mobile money.
Tigo Pesa
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Mixx by Yas mobile money.
TIPS (Tanzania)
Instant
Instant
Proxy
Account typeBank Account N°
Tanzania Instant Payment System (bank & mobile money).
TIPS (Tanzania)
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
Tanzania Instant Payment System (bank & mobile money).
USDUnited States4 rails
FedNow
Instant
Instant
Max / txn$500,000
Proxy
Account typeBank Account N°
FormatABA
Federal Reserve instant rail, 24/7.
RTP
Instant
Instant
Max / txn$10,000,000
Proxy
Account typeBank Account N°
FormatABA
The Clearing House Real-Time Payments.
ZelleWallet
Instant
Instant
Max / txnBank-set
Proxyemail / mobile
Account typeProxy
FormatPXY
US bank-network P2P (email / mobile).
FedACH (ACH)
ACH · batch
ACH · batch
Max / txn$1M (same-day)
Proxy
Account typeBank Account N°
FormatABA
Nacha automated clearing house, batch.
XAF4 rails
GIMACPAY
Instant
Instant
Proxy
Account typeBank Account N°
FormatRIB
GIMAC instant interoperable payments.
CMGATDCG
CEMAC
Interoperable across banks, e-money and mobile money in CEMAC.
GIMACPAY
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
GIMAC instant interoperable payments.
CMGATDCG
CEMAC
Interoperable across banks, e-money and mobile money in CEMAC.
GIMACPAY
Instant
Instant
Proxy
Account typeProxy
FormatPXY
GIMAC instant interoperable payments.
CMGATDCG
CEMAC
Interoperable across banks, e-money and mobile money in CEMAC.
SICA-CEMAC
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatRIB
BEAC regional retail clearing.
CMGATDCG
CEMAC
AEDUnited Arab Emirates3 rails
Aani
Instant
Instant
Max / txnBank-set
ProxyAlias
Account typeBank Account N°
FormatIBAN
Instant Payments Platform.
Jaywan
Card network
Card network
Proxy
Account typeCard N°
FormatPAN
UAE national card & instant-payment scheme (Al Etihad Payments, 2024).
UAE domestic scheme
Jaywan
Card network
Card network
Proxy
Account typeBank Account N°
FormatIBAN
UAE national card & instant-payment scheme (Al Etihad Payments, 2024).
UAE domestic scheme
INRIndia3 rails
IMPS
Instant
Instant
Max / txn₹500,000≈ $6k
Proxy
Account typeBank Account N°
FormatIFSC
Immediate Payment Service.
UPI
Instant
Instant
Max / txn₹100,000≈ $1k
ProxyVPA (UPI ID)
Account typeBank Account N°
FormatIFSC
Unified Payments Interface, real-time.
NEFT
ACH · batch
ACH · batch
Max / txnNo limit
Proxy
Account typeBank Account N°
FormatIFSC
National Electronic Funds Transfer.
PENPeru3 rails
CCE
Instant
Instant
Proxy
Account typeBank Account N°
FormatCCI
Cámara de Compensación Electrónica — immediate & deferred interbank transfers.
PlinWallet
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
Bank-consortium wallet (BBVA, Interbank, Scotiabank).
YapeWallet
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
BCP mobile wallet (Visa Direct-backed), dominant P2P in Peru.
PLNPoland3 rails
BLIKWallet
Instant
Instant
Max / txnBank-set
Proxy6-digit code / phone
Account typeProxy
FormatPXY
Polish mobile payment standard (code / phone).
Express Elixir
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Instant payments.
Elixir
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatIBAN
KIR retail clearing.
RWFRwanda3 rails
eKash
Instant
Instant
Proxy
Account typeBank Account N°
RSwitch / BNR interoperable instant payments (2022).
eKash
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
RSwitch / BNR interoperable instant payments (2022).
MTN MoMo (Rwanda)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
SARSaudi Arabia3 rails
sarie Instant (IPS)
Instant
Instant
Max / txnSAR 20,000≈ $5k
Proxy
Account typeBank Account N°
FormatIBAN
Saudi Payments instant payment system.
mada
Card network
Card network
Proxy
Account typeCard N°
FormatPAN
Saudi domestic debit-card & POS/ATM network (Saudi Payments).
Saudi domestic scheme
mada
Card network
Card network
Proxy
Account typeBank Account N°
FormatIBAN
Saudi domestic debit-card & POS/ATM network (Saudi Payments).
Saudi domestic scheme
SGDSingapore3 rails
FAST
Instant
Instant
Max / txnSGD 200,000≈ $148k
Proxy
Account typeBank Account N°
FormatBCA
Fast And Secure Transfers.
PayNowWallet
Instant
Instant
Max / txnBank-set
Proxymobile / NRIC / UEN
Account typeProxy
FormatPXY
Proxy overlay on FAST (consumer P2P).
GIRO
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatBCA
Batch direct credit / debit.
UGXUganda3 rails
Airtel Money (Uganda)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
MTN MoMo (Uganda)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Telco mobile money wallet.
EFT (Uganda)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
Electronic Funds Transfer — batch interbank credits.
ZARSouth Africa3 rails
PayShap
Instant
Instant
Proxy
Account typeBank Account N°
FormatBCA
Rapid payments programme.
RTC
Instant
Instant
Proxy
Account typeBank Account N°
FormatBCA
Real-Time Clearing.
EFT (ZA)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatBCA
Electronic Funds Transfer, batch.
ZMWZambia3 rails
NFS
Instant
Instant
Proxy
Account typeBank Account N°
National Financial Switch — interoperable retail switch (Zambia).
NFS
Instant
Instant
Proxy
Account typeMobile N°
FormatPHN
National Financial Switch — interoperable retail switch (Zambia).
ZIPIT
Instant
Instant
Proxy
Account typeBank Account N°
Zambian Interbank instant fund transfer.
ARSArgentina2 rails
Transferencias 3.0
Instant
Instant
Proxy
Account typeBank Account N°
FormatCBU
BCRA interoperable instant transfers & QR (2020).
Transferencias 3.0
Instant
Instant
Proxy
Account typeProxy
FormatPXY
BCRA interoperable instant transfers & QR (2020).
AUDAustralia2 rails
NPP / Osko
Instant
Instant
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatBSB
New Payments Platform, real-time.
BECS (Direct Entry)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatBSB
Bulk Electronic Clearing System.
BDTBangladesh2 rails
bKash
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Dominant BD mobile financial service.
Nagad
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
BD mobile financial service.
BRLBrazil2 rails
Pix
Instant
Instant
Max / txnBank-set (night cap)
ProxyPix key (CPF / phone / email)
Account typeBank Account N°
FormatAGC
Central bank instant payments.
TED
RTGS · high-value
RTGS · high-value
Max / txnNo limit
Proxy
Account typeBank Account N°
FormatAGC
Same-day electronic transfer (retail-accessible via banks).
CADCanada2 rails
Interac e-TransferWallet
Instant
Instant
Max / txnBank-set
Proxy
Account typeProxy
FormatPXY
Retail near-instant transfers (email / mobile P2P).
AFT
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatTIA
Automated Funds Transfer, batch.
CHF2 rails
SIC Instant Payments
Instant
Instant
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatIBAN
Instant CHF over SIC5 (2024+).
CHLI
Reaches Liechtenstein via the shared Swiss franc SIC infrastructure.
TwintWallet
Instant
Instant
Max / txnCHF 5,000/day≈ $6k
Proxy
Account typeProxy
FormatPXY
Mobile account-to-account payments backed by Swiss bank accounts.
Switzerland
CNY2 rails
FPS (HK) — CNY
Instant
Instant
Max / txnBank-set
Proxymobile / email / FPS ID
Account typeBank Account N°
FormatCNAPS
Faster Payment System — CNY leg; same rails, separate currency account.
Hong Kong
IBPS
Instant
Instant
Proxy
Account typeBank Account N°
FormatCNAPS
Internet Banking Payment System.
China
DKKDenmark2 rails
MobilePayWallet
Instant
Instant
Max / txnBank-set
Proxymobile
Account typeProxy
FormatPXY
Danish/Finnish mobile wallet (Vipps MobilePay).
Straksbetalinger
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Danish instant payments.
EGPEgypt2 rails
InstaPay (Egypt)
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Central Bank of Egypt real-time payments.
Meeza Digital
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
National wallet & card scheme.
ETBEthiopia2 rails
EthioPay
Instant
Instant
Proxy
Account typeBank Account N°
FormatAN
EthSwitch national instant payment system (EthioPay-IPS).
Connects 32 banks, MFIs & wallets; ETHQR and alias-based payments.
EthioPay
Instant
Instant
Proxy
Account typeProxy
FormatPXY
EthSwitch national instant payment system (EthioPay-IPS).
Connects 32 banks, MFIs & wallets; ETHQR and alias-based payments.
GBPUnited Kingdom2 rails
Faster Payments (FPS)
Instant
Instant
Max / txn£1,000,000≈ $1.3M
Proxy
Account typeBank Account N°
FormatSC+AN
Near-instant sterling payments.
FPS
Bacs
ACH · batch
ACH · batch
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatSC+AN
Batch credits & Direct Debit, 3-day cycle.
GHSGhana2 rails
GhIPSS Instant Pay (GIP)
Instant
Instant
Proxy
Account typeBank Account N°
Real-time bank-to-bank transfers.
MTN MoMo (Ghana)
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Mobile money wallet (interoperable via GhIPSS MMI).
KESKenya2 rails
M-Pesa
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Safaricom mobile money wallet.
Dominant mobile-money rail; bank interoperability via PesaLink & paybill.
PesaLink
Instant
Instant
Max / txnKES 999,999≈ $8k
Proxy
Account typeBank Account N°
FormatBCA
Bank-to-bank instant.
MXNMexico2 rails
CoDi
Instant
Instant
Proxy
Account typeBank Account N°
FormatCLABE
Banxico QR / request-to-pay overlay on SPEI.
SPEI
Instant
Instant
Max / txnNo limit
Proxy
Account typeBank Account N°
FormatCLABE
Banxico interbank electronic payments.
MYRMalaysia2 rails
DuitNow
Instant
Instant
Max / txnBank-set
Proxymobile / NRIC / Business ID
Account typeBank Account N°
FormatAN
Real-time retail payments.
Interbank GIRO (IBG)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatAN
PayNet batch credit transfers.
NGNNigeria2 rails
NIP
Instant
Instant
Max / txnBank-set
Proxy
Account typeBank Account N°
FormatNUBAN
NIBSS Instant Payments.
NEFT (NG)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatNUBAN
NIBSS Electronic Funds Transfer.
NOKNorway2 rails
Norwegian Straksbetaling
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Instant payments.
VippsWallet
Instant
Instant
Max / txnBank-set
Proxymobile
Account typeProxy
FormatPXY
Norwegian mobile wallet (Vipps MobilePay).
PKRPakistan2 rails
Easypaisa
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Pakistani mobile wallet & digital bank.
JazzCash
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Pakistani mobile wallet.
QARQatar2 rails
Fawran
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Qatar Central Bank instant payments.
QATCH
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatIBAN
Qatar Automated Cheque/Clearing House — batch credit transfers.
SEKSweden2 rails
SwishWallet
Instant
Instant
Proxy
Account typeProxy
FormatPXY
Mobile real-time P2P (bank-account backed).
Bankgirot
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatIBAN
Clearing for credit transfers.
THBThailand2 rails
PromptPay
Instant
Instant
Max / txnBank-set
ProxyCitizen ID / mobile
Account typeBank Account N°
Proxy-based instant payments.
Bulk Payment (ITMX)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
NITMX media clearing — batch interbank credit transfers.
BHDBahrain1 rail
Fawri+ / Fawri
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
BenefitPay instant & near-real-time transfers.
CLPChile1 rail
TEF (Chile)
Instant
Instant
Proxy
Account typeBank Account N°
FormatRUT
Near-instant electronic transfers (CCA-operated).
HKDHong Kong1 rail
FPS (HK)
Instant
Instant
Max / txnBank-set
Proxymobile / email / FPS ID
Account typeBank Account N°
FormatBBA
Faster Payment System — HKD leg.
JPYJapan1 rail
Zengin
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatBBA
Domestic retail credit transfers.
KWDKuwait1 rail
KASSIP
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Kuwait's instant payment system.
OMROman1 rail
mpClear (Oman)
ACH · batch
ACH · batch
Proxy
Account typeBank Account N°
FormatIBAN
Oman's automated clearing house for retail credit transfers & direct debit.
TRYTurkey1 rail
FAST (TR)
Instant
Instant
Proxy
Account typeBank Account N°
FormatIBAN
Instant & Continuous Transfer of Funds.
VNDVietnam1 rail
NAPAS 247
Instant
Instant
Proxy
Account typeBank Account N°
Vietnam real-time retail transfers.
Multi8 rails
Mercado Pago
Instant
Instant
Proxy
Account typeMobile Money
FormatPHN
Regional wallet (MercadoLibre).
BRBRLARARSMXMXN
Brazil · Argentina · Mexico
Mastercard Move / Cross-Border
Cross-border
Cross-border
Proxy
Account typeBank Account N°
FormatVAR
Bank-account and wallet payouts across 150+ currencies and 180+ markets.
ALALLDZDZDAOAOAARARSAMAMDAUAUDATEURAZAZNBSBSDBHBHDBDBDTBBBBDBEEURBZBZDBJXOFBTBTNBOBOBBABAMBWBWPBRBRLBNBNDBGBGNBFXOFBIBIFKHKHRCMXAFCACADCVCVECFXAFTDXAFCLCLPCNCNYCOCOPCGXAFCRCRCCIXOFHREURCYEURCZCZKDKDKKDJDJFDODOPCDCDFECUSDEGEGPSVUSDGQXAFEEEURSZSZLETETBFJFJDFIEURFREURGAXAFGMGMDGEGELDEEURGHGHSGREURGTGTQGNGNFGWXOFGYGYDHTHTGHNHNLHKHKDHUHUFISISKININRIDIDRIQIQDIEEURILILSITEURJMJMDJPJPYJOJODKZKZTKEKESXKEURKWKWDKGKGSLALAKLVEURLBLBPLSLSLLRLRDLYLYDLICHFLTEURLUEURMGMGAMWMWKMYMYRMVMVRMLXOFMTEURMRMRUMUMURMXMXNMDMDLMNMNTMEEURMAMADMZMZNMMMMKNANADNPNPRNLEURNZNZDNINIONEXOFNGNGNMKMKDNONOKOMOMRPKPKRPSILSPAUSDPGPGKPYPYGPEPENPHPHPPLPLNPTEURQAQARRORONRWRWFSASARSNXOFRSRSDSCSCRSLSLESGSGDSKEURSIEURSOSOSZAZARKRKRWSSSSPESEURLKLKRSRSRDSESEKCHCHFTWTWDTJTJSTZTZSTHTHBTLUSDTGXOFTTTTDTNTNDTRTRYUGUGXUAUAHAEAEDGBGBPUSUSDUYUYUUZUZSVEVESVNVNDYEYERZMZMWZWUSD
Global · 180+ markets · 150+ currencies
Regional Payment Connectivity (RPC)
Cross-border
Cross-border
Proxy
Account typeBank Account N°
FormatVAR
Cross-border QR and instant-payment linkages across ASEAN central banks.
SGSGDTHTHBMYMYRIDIDRPHPHPVNVND
ASEAN · cross-border QR & fast-payment links
TCIB
Cross-border
Cross-border
Proxy
Account typeBank Account N°
FormatVAR
Transactions Cleared on an Immediate Basis — SADC cross-border scheme.
ZAZARZMZMWTZTZS
SADC · cross-border instant
Open to banks and authorised non-banks; low-value immediate credit push.
TCIB
Cross-border
Cross-border
Proxy
Account typeMobile N°
FormatPHN
Transactions Cleared on an Immediate Basis — SADC cross-border scheme.
ZAZARZMZMWTZTZS
SADC · cross-border instant
Open to banks and authorised non-banks; low-value immediate credit push.
Visa Direct — Account
Cross-border
Cross-border
Proxy
Account typeBank Account N°
FormatVAR
Real-time push straight to a beneficiary bank account (account payout) via Visa rails.
ALALLDZDZDAOAOAARARSAMAMDAUAUDATEURAZAZNBSBSDBHBHDBDBDTBBBBDBEEURBZBZDBJXOFBTBTNBOBOBBABAMBWBWPBRBRLBNBNDBGBGNBFXOFBIBIFKHKHRCMXAFCACADCVCVECFXAFTDXAFCLCLPCNCNYCOCOPCGXAFCRCRCCIXOFHREURCYEURCZCZKDKDKKDJDJFDODOPCDCDFECUSDEGEGPSVUSDGQXAFEEEURSZSZLETETBFJFJDFIEURFREURGAXAFGMGMDGEGELDEEURGHGHSGREURGTGTQGNGNFGWXOFGYGYDHTHTGHNHNLHKHKDHUHUFISISKININRIDIDRIQIQDIEEURILILSITEURJMJMDJPJPYJOJODKZKZTKEKESXKEURKWKWDKGKGSLALAKLVEURLBLBPLSLSLLRLRDLYLYDLICHFLTEURLUEURMGMGAMWMWKMYMYRMVMVRMLXOFMTEURMRMRUMUMURMXMXNMDMDLMNMNTMEEURMAMADMZMZNMMMMKNANADNPNPRNLEURNZNZDNINIONEXOFNGNGNMKMKDNONOKOMOMRPKPKRPSILSPAUSDPGPGKPYPYGPEPENPHPHPPLPLNPTEURQAQARRORONRWRWFSASARSNXOFRSRSDSCSCRSLSLESGSGDSKEURSIEURSOSOSZAZARKRKRWSSSSPESEURLKLKRSRSRDSESEKCHCHFTWTWDTJTJSTZTZSTHTHBTLUSDTGXOFTTTTDTNTNDTRTRYUGUGXUAUAHAEAEDGBGBPUSUSDUYUYUUZUZSVEVESVNVNDYEYERZMZMWZWUSD
Global · account payout
Mastercard Send
Card network
Card network
Max / txn$50,000*
Proxy
Account typeCard N°
FormatPAN
Push payments to debit/prepaid cards, domestic and cross-border.
ALALLDZDZDAOAOAARARSAMAMDAUAUDATEURAZAZNBSBSDBHBHDBDBDTBBBBDBEEURBZBZDBJXOFBTBTNBOBOBBABAMBWBWPBRBRLBNBNDBGBGNBFXOFBIBIFKHKHRCMXAFCACADCVCVECFXAFTDXAFCLCLPCNCNYCOCOPCGXAFCRCRCCIXOFHREURCYEURCZCZKDKDKKDJDJFDODOPCDCDFECUSDEGEGPSVUSDGQXAFEEEURSZSZLETETBFJFJDFIEURFREURGAXAFGMGMDGEGELDEEURGHGHSGREURGTGTQGNGNFGWXOFGYGYDHTHTGHNHNLHKHKDHUHUFISISKININRIDIDRIQIQDIEEURILILSITEURJMJMDJPJPYJOJODKZKZTKEKESXKEURKWKWDKGKGSLALAKLVEURLBLBPLSLSLLRLRDLYLYDLICHFLTEURLUEURMGMGAMWMWKMYMYRMVMVRMLXOFMTEURMRMRUMUMURMXMXNMDMDLMNMNTMEEURMAMADMZMZNMMMMKNANADNPNPRNLEURNZNZDNINIONEXOFNGNGNMKMKDNONOKOMOMRPKPKRPSILSPAUSDPGPGKPYPYGPEPENPHPHPPLPLNPTEURQAQARRORONRWRWFSASARSNXOFRSRSDSCSCRSLSLESGSGDSKEURSIEURSOSOSZAZARKRKRWSSSSPESEURLKLKRSRSRDSESEKCHCHFTWTWDTJTJSTZTZSTHTHBTLUSDTGXOFTTTTDTNTNDTRTRYUGUGXUAUAHAEAEDGBGBPUSUSDUYUYUUZUZSVEVESVNVNDYEYERZMZMWZWUSD
Global · 180+ markets
Visa Direct
Card network
Card network
Max / txn$50,000*
Proxy
Account typeCard N°
FormatPAN
Push payments (OCT) to eligible debit/prepaid cards; payouts in 160+ currencies.
ALALLDZDZDAOAOAARARSAMAMDAUAUDATEURAZAZNBSBSDBHBHDBDBDTBBBBDBEEURBZBZDBJXOFBTBTNBOBOBBABAMBWBWPBRBRLBNBNDBGBGNBFXOFBIBIFKHKHRCMXAFCACADCVCVECFXAFTDXAFCLCLPCNCNYCOCOPCGXAFCRCRCCIXOFHREURCYEURCZCZKDKDKKDJDJFDODOPCDCDFECUSDEGEGPSVUSDGQXAFEEEURSZSZLETETBFJFJDFIEURFREURGAXAFGMGMDGEGELDEEURGHGHSGREURGTGTQGNGNFGWXOFGYGYDHTHTGHNHNLHKHKDHUHUFISISKININRIDIDRIQIQDIEEURILILSITEURJMJMDJPJPYJOJODKZKZTKEKESXKEURKWKWDKGKGSLALAKLVEURLBLBPLSLSLLRLRDLYLYDLICHFLTEURLUEURMGMGAMWMWKMYMYRMVMVRMLXOFMTEURMRMRUMUMURMXMXNMDMDLMNMNTMEEURMAMADMZMZNMMMMKNANADNPNPRNLEURNZNZDNINIONEXOFNGNGNMKMKDNONOKOMOMRPKPKRPSILSPAUSDPGPGKPYPYGPEPENPHPHPPLPLNPTEURQAQARRORONRWRWFSASARSNXOFRSRSDSCSCRSLSLESGSGDSKEURSIEURSOSOSZAZARKRKRWSSSSPESEURLKLKRSRSRDSESEKCHCHFTWTWDTJTJSTZTZSTHTHBTLUSDTGXOFTTTTDTNTNDTRTRYUGUGXUAUAHAEAEDGBGBPUSUSDUYUYUUZUZSVEVESVNVNDYEYERZMZMWZWUSD
Global · 190+ markets · 160+ currencies
Aequus Money · Payment rails reference — prepared for SolideFinanceaequus.money · hello@aequus.money

Appendix — Identifier Format Glossary

Short codes used in the Format column, with full names and descriptions.

CodeFull nameDescription
IBANInternational Bank Account NumberISO 13616 — up to 34 alphanumeric chars; used across SEPA, Middle East, North Africa and many other markets.
RIBRelevé d'Identité BancaireFrench/Francophone Africa bank identifier; includes bank code, branch, account, and check key. Often combined with IBAN.
CLABEClave Bancaria Estandarizada18-digit Mexican interbank account number (3 bank + 3 city + 11 account + 1 check digit).
NUBANNigeria Uniform Bank Account Number10-digit Nigerian account number standardised by CBN; unique per account across all banks.
SC+ANSort Code + Account NumberUK standard: 6-digit sort code identifies the bank branch; 8-digit account number identifies the account.
ABAABA Routing + Account NumberUS standard: 9-digit ABA/routing transit number (identifies the bank) + account number.
BSBBank State Branch + Account NumberAustralian standard: 6-digit BSB identifies the bank and branch, followed by the account number.
IFSCIndian Financial System Code11-character alphanumeric code identifying bank branches in India (NEFT/RTGS/IMPS).
BCABank Code + Account NumberGeneric pattern used in several Asian markets (Singapore, Kenya, Philippines, etc.).
BBABank/Branch Code + Account NumberVariant used in Japan, Hong Kong, and others where branch code is separate from bank code.
TIATransit + Institution + AccountCanadian pattern: 5-digit transit (branch) + 3-digit institution (bank) + account number.
AGCAgência + ContaBrazilian pattern: agency (branch) code + account number, used in the national banking system.
CNAPSChina National Advanced Payment SystemDomestic Chinese bank account number routed via the CNAPS clearing system.
CCICódigo de Cuenta Interbancario20-digit Peruvian interbank account code.
RUTRol Único Tributario + AccountChilean tax/ID number used as account identifier in TEF transfers.
CBUClave Bancaria Uniforme / CVU22-digit Argentine bank (CBU) or virtual wallet (CVU) account identifier; alias also accepted.
PHNPhone NumberMobile phone number used directly as the payment destination identifier.
PXYProxy / AliasAn alias (phone, email, national ID, QR, or custom token) that resolves to an underlying account.
PANPrimary Account Number16–19 digit card number on payment cards (ISO/IEC 7812).
ANAccount NumberGeneric local account number where no country-specific standard applies.
VARVaries by MarketMulti-currency / multi-market rail where the identifier format depends on the destination country.