This article breaks down the complete payment‑to‑settlement workflow behind digital RMB, explaining each stage—from the customer's payment initiation through clearing, central‑bank settlement, and final accounting—while highlighting why e‑CNY 2.0 treats payment and settlement as a single, irreversible process.
This article provides a detailed walkthrough of bank core system architecture, covering its evolution, global overview, key modules such as customer information, account types, deposit and loan cores, payment and settlement, general ledger, card management, and batch processing, illustrated with diagrams and real‑world examples.
This article explains why decimal division often leaves remainders in payment, discount, and fee scenarios and presents fourteen practical rounding methods—such as truncation, ceiling, bankers rounding, and remainder allocation—to achieve fair and precise financial settlements.
This article provides a comprehensive, step‑by‑step breakdown of the Cross‑border Interbank Payment System (CIPS), covering its participants, account architecture, liquidity management, operating schedule, risk controls, payment processing logic, and the latest rule changes that shape China’s international RMB settlement infrastructure.
This article dissects the core principles and architectural patterns behind Chinese super‑payment platforms' settlement systems, covering transaction‑clear‑settlement flow, settlement modes, account models, system components, processing steps, and key performance indicators for handling trillions of yuan each day.
To improve testing efficiency in payment settlement, the article proposes a design that aggregates all database modifications across multiple databases and tables into a single view by instrumenting JDBC calls via JVM‑sandbox, handling SQL capture, transaction awareness, and front‑end visualization.
