Status
Operating at scale
If a RTPS exists
Yes
Vision: PSP interoperability
No
Name (Payment)
Interbank payment system APSSS,E-kyash
URL (Payment)
https://www.centralbank.org.bz/home/core-functions/payment-and-settlement/automated-payment-and-securities-settlement-system-(apsss)
Region
Latin America
# of participants
Unknown,1
AML law
Yes
Bank participation in network
YesNo
Centralised fraud management system?
Unknown
Consumer protection law
Yes
Governor
Central bank/ Financial regulator
Non-bank participation in network
NoNo
Notes
Comprises the RTGS, ACH and the CSD (central securities depository). Since 2017, National Payment Systems Act (NPSA) allows greater interoperability due to direct debit mandate through a legal framework.
Offline transactions
No
Operator
Central bankCommercial bank/ Private PSP
QR-based transactions
No
Reporting forum/ website/ form
Unknown
Rules: data handling rules for PSPs, users
No
Rules: data leak notifications
No
Rules: participation conditions
NoNo
Rules: recourse mechanism
Unknown
Rules: transaction recall
Unknown
Settlement systems
ACH RTGS CSD,NA
Transaction cost
0.25 USD per transaction (real-time). HIgher for EFTs of highter amounts,Unknown
Transaction types
B2BP2P
P2M
Value (Year-USD)
2024- USD 45 M,Unknown
Volume (Year- Volume)
2024- 270 K,2022- 42 K users