Brief annotation
About the document
A master document and presentation of a proposed architecture for global settlements, funds and balances.
Novaya_mirovaya_finansovaya_sistema.pptx
Downloading the document...
EQUILIBRIUM • LEDGER • ECO‑PPA • 741
Concept: Sokolov Sergey Leonidovich
2026
02 / SUMMARY
A system in which money serves development
It is not a single world currency that is offered, but a compatible multi-level financial infrastructure.
Five project solutions
| 1 | A personal fund fixes the rights, goals and confirmed results of development without turning a person into an uncontrolled issuer of legal tender. |
|---|
| 2 | Central banks, commercial banks, and regulated institutions remain sources of trust; new instruments are embedded in existing law. |
|---|
| 3 | The Ledger — a layer of evidence. Each operation links its basis, decision, resources, implementation, impact and audit. |
|---|
| 4 | New rights of claim and project limits are allowed only within the limits of the confirmed effect, cash flows and risk buffers. |
|---|
| 5 | First, legal and technical sandbox, then interregional and cross-border corridors, then standardization. |
|---|
Status: author's strategic concept. It is not a decision of an international organization, monetary policy, legal opinion or investment recommendation.
03 / DIAGNOSIS
Why the current system needs an add-on
| Gap | Manifestation | What architecture should change |
|---|---|---|
| Cross-border payments | Cost, delays, non-transparency of the route, break of compliance modes. | General data, atomic calculation, transparent SLA and end-to-end status of the operation. |
| Financial accessibility | Access to the account does not guarantee stability, data protection and access to long capital. | Name funds, rights transferability, secure digital identity. |
| Project financing | Effect and cash flow are often not combined in a single evidence loop. | Link problem, solution, contract, effect, flow and return of capital. |
| Trust in Digital Assets | Fragmentary security, legal uncertainty, run risk and cyber threats. | Regulatory perimeter, quality settlement assets, audit and reserves. |
| Environmental and social effects | Metrics are separate from financial result; risk of greenwashing is high. | Evidence registers, independent verification, payments for the result. |
Project conclusion: reform cannot be reduced to registry technology. What is needed is both right, central bank money, regulated deposits, a single data model, risk management and a clear public purpose.
04 / DOCTRINE
Twelve Principles of Design
| Contour A | Outline B |
|---|---|
| 1. Dignity Finance does not turn a person into an object of total observation. | 2. Sovereignty National currencies, central bank mandates and capital regimes remain. |
| 3. Double-level money The central bank and regulated intermediaries remain the core of trust. | 4. Interoperability Single messages and rules are more important than a single technology platform. |
| 5. Evidence Right, resource, action and result are linked by a verifiable chain. | 6. Finality The moment of final calculation is determined legally and technically. |
| 7. Proportionality Compliance and data correspond to risk rather than maximum data collection. | 8. Security The new limits are based on assets, cash flows and effects. |
| 9. Returnability Debt, share, grant and payment for the result vary before funding. | 10. Pluralism Public, private, cooperative and public institutions coexist. |
| 11. Sustainability Liquidity, cyber defense, recovery, and dispute resolution are built-in. | 12. Reversibility The pilot can be stopped and rolled up without systemic damage. |
05 / ARCHITECTURE
The seven interconnected layers
| L7 | Governance and public mandate | rules, representation, audit, disputes, updating standards |
|---|
| L6 | Risks, Compliance and Privacy | AML/CFT, KYC/KYB, Sanctions regimes, cyber-resilience, data minimization |
|---|
| L5 | Evidence Ledger | bases, versions, signatures, events, metrics, results, responsibility |
|---|
| L4 | Funds and programmable contracts | name, design, territorial, natural funds; ECO-PPA |
|---|
| L3 | Assets and rights of claim | deposits, bonds, shares, commodities, infrastructure and performance rights |
|---|
| L2 | Calculation and interoperability | ISO 20022, FX/PvP, atomic settlement, national system gateways |
|---|
| L1 | Monetary Core | Central bank reserves, cash/digital money, regulated deposits |
|---|
Dependency rule: innovation on the top layer cannot weaken the legal certainty and quality of the settlement asset on the bottom layers.
06 / TOOLS
Money stack: what is saved and what is added
| Tool | Role | Issuer / operator | Limitation |
|---|---|---|---|
| The Sovereign Currency | Unit of account, means of payment, tax and legal anchor. | Central Bank/State. | Not replaced by a global token. |
| Regulated deposit | The main form of private money and credit. | Licensed bank. | Capital, liquidity, insurance/permit. |
| Tokenized deposit/reserve | Programmable presentation of an existing requirement. | Bank/Central Bank. | It does not change the legal nature of the basic requirement. |
| MURDE — design calculation unit | Comparison of budgets, effects and calculations of the pilot. | Multilateral operator of the contract. | Not currency or legal tender without a separate mandate. |
| Name Fund | Rights to targeted development: education, health, housing, entrepreneurship. | Fund/bank/public institution. | Targeted use, guardianship, inheritance, audit. |
| Unit of confirmed result | Payment for measurable infrastructural, environmental or social impact. | Project SPV/customer. | Repayment only by verification protocol. |
07 / MAN
Name fund: financial contour of personal development
Name Fund is not a “wallet of free money”, but a portable contractual outline of goals, rights, sources and results. It can combine public appropriations, private contributions, insurance coverage, educational capital, project income, and charitable funds.
| Composition of the passport | What is fixed |
|---|---|
| Subject and authority | identity; capacity; representative/guardian; consent; heritability |
| Objectives | education; health; housing; mobility; entrepreneurship; community contribution |
| Sources | budget; employer; family; insurance; grant; income; cooperative; project effect |
| Rights | access, portability, supplier selection, appeal, deletion of optional data |
| Limitations | appointment, term, limit, permissible counterparties, conflict of interest |
| Evidence | contract, bill, service result, digital signature, independent verification |
| Result | not only consumption, but also measurable change in human capabilities |
08 / EMISSION
The rule of permissible expansion: value before limit
Eₜ ≤ min(ΔVᵛᵉʳₜ, CFᵉˡᵢᵍₜ, Pᵃᵖᵖʳₜ) − Rₜ − Lₜ
| Marking | Meaning | Evidence |
|---|---|---|
| Eₜ | Acceptable new commitment/financing limit in period t | the decision of the authorized issuer or fund |
| ΔVᵛᵉʳ | Verified increase in value or prevented damage | methodology, baseline, independent verification |
| CFᵉˡᵢᵍ | acceptable cash flow | contract, payment discipline, stress scenario |
| Pᵃᵖᵖʳ | Approved project budget | Budget, corporate or multilateral solution |
| Rₜ | Buffer of credit, market and model risk | reserves, haircuts, concentration limits |
| Lₜ | liquidity buffer and operational recovery | liquid assets, recovery plan, emergency mode |
09 / MATHEMATICS
741: engineering implementation matrix
| Scale | The main question | Solution type |
|---|---|---|
| Person / organization | What has changed for a particular subject? | name fund, contract, law, competence, income, security |
| State / Territory | How are sovereignty, sustainability and reproduction maintained? | budget, monetary policy, infrastructure, industry, social guarantees |
| Planet / interstate contour | How to reconcile common risks and cross-border flows? | standards, corridors, climate/water/biosphere, settlement, dispute resolution |
Nineteen subject contours
| 01–05 | 06–10 | 11–15 | 16–19 |
|---|---|---|---|
| persons, family/community, education, health, housing | labor, entrepreneurship, industry, energy, water | food, transport, digital environment, finance, law | safety, culture, territory, biosphere |
741 is neither a mystical number nor an automatic algorithm of truth. This is a completeness map: it shows where the data is missing, the decision owner, the risk buffer, or proof of outcome.
10 / CYCLES
260 and 13 phases: from meaning to adjustment
The “Ledger” uses 260 as a map of a complete cycle of meaning: 20 archetypes × 13 tones. Within the financial architecture, this is not a calendar prediction but a discipline of classification: who acts, in which phase, on what basis and with what proven effect.
| Phase A | Phase B | Phase C |
|---|---|---|
| L01 Signal | L02 Sources | L03 Verification |
| L04 Base Line | L05 Diagnosis | L06 Scripts |
| L07 Corridor | L08 Options | L09 Right |
| L10 Resource | L11 Implementation | L12 Confirmation |
| L13 Adjustment |
11 / LEDGER
Evidence-based register of value movement
A ledger is not just an accounting record and not necessarily a single blockchain. It is a federated data model in which legal documents can be stored by owners, and the common layer contains verifiable links, statuses, signatures, and version hashes.
| Event field | Contents | Monitoring |
|---|---|---|
| ID and time | persistent identifier, jurisdiction, timestamp | integrity, synchronization, uniqueness |
| Basis | law, mandate, contract, budget, consent | power, version, expiration date |
| Subjects | payer, recipient, beneficiary, validator | KYC/KYB, roles, conflict of interest |
| Resource | currency, asset, limit, service, data | ownership/claims, encumbrances |
| Action | reservation, transfer, delivery, verification, repayment | authorization, finality, reversible |
| Result | Before/after metric, preventable damage, availability | technique, oracle, independent confirmation |
| Risk and liability | limit, reserve, insurance, owner of risk | stress test, recovery, dispute, sanctions |
12 / MANAGEMENT
The Institutional Scheme: Federation, Not the Global Monopolist
| Level | Proposed function | Key Fuse |
|---|---|---|
| Multilateral Council | doctrine, standards tolerance, KPI, public report | Balance of voices of states, institutions and public representatives |
| Technical authority | data schemas, identifiers, compatibility tests | open specifications, version, independent implementations |
| Payment operator | routing, PvP/atomic settlement, finality status | separated from emission and project selection; PFMI |
| The National Gateway | Application of local law, currency regime and supervision | Central bank autonomy; right to stop |
| Funds and SPV | structuring of name, project and territorial programs | fiduciary duty, asset segregation, audit |
| Validators | verification of data, results and assurance | accreditation, rotation, responsibility, conflict of interest |
| Arbitration / Ombudsman | disputes, user rights, error correction | Affordable procedure and execution of decisions |
13 / LAW
Legal compatibility before scaling
| 1 | Monetary and banking law who is entitled to issue an instrument; whether it is money, a deposit, a security or another requirement |
|---|
| 2 | Payments and finality of the moment of finality; clearing; return; participant’s insolvency; security mode |
|---|
| 3 | Currency control and sanctions allowed currencies, cross-border restrictions, screening and lawful blocking |
|---|
| 4 | AML/CFT and identity risk-oriented verification, travel rule, digital ID, record storage |
|---|
| 5 | Data and privacy purpose processing, localization, cross-border transmission, minimization, automated solutions |
|---|
| 6 | Securities and investments public offering, investor qualification, disclosure, market infrastructure |
|---|
| 7 | Taxes and accounting valuation, income recognition, VAT/profit, reservation, audit, consolidation |
|---|
| 8 | Consumer protection understandable terms, commission, complaint, refund, non-discrimination, digital accessibility |
|---|
FATF highlights a risk-based approach to digital identity and virtual assets; PFMI — requirements for management, risk, finality and operational sustainability5][6][7]
14 / RISKS
Red team: how the system can fail
| Risk | Early indicator | Mandatory control |
|---|---|---|
| Inflationary expansion | Limits are growing faster than proven value/flow | independent rule of limits; reserves; the right to stop |
| Run and lack of liquidity | acceleration of repayments, spreads and concentration | liquid buffer; waterfall; recovery/resolution |
| Political/corporate takeover | opaque selection and related financing | public criteria; conflict of interest; audit |
| Total financial surveillance | Data Objectives and Hidden Scores | privacy by design; minimization; prohibition of secondary use |
| Cyber Attack / Stop | growth of critical vulnerabilities, lack of backup mode | segmentation; zero trust; backup calculation; exercises |
| Greenwashing / false effect | The metric changes after funding | preliminary protocol; baseline; independent validator |
| Oracle and Model Risk | Difference of sources, model drift | multiple sources; manual override; version log |
| Legal fragmentation | one operation receives different qualifications | national gateways; rulebook corridor; arbitration |
| Digital Exception | The service is available only through expensive devices | offline/assisted channels; universal design |
15 / PILOT
Four pilots with limited risk
| P1 | Name Development Fund Education + health + entrepreneurship in one jurisdiction. Criteria: portability, target use, privacy, measurable result |
|---|
| P2 | ECO-PPA "water-energy-food" Long-term contract, where savings and new value form the return. Criteria: baseline, guaranteed result, cash flow, independent verification |
|---|
| P3 | Interregional project corridor. Settlement between banks and SPV through a shared Ledger. Criteria: ISO 20022, finality, SLA, compliance, reduced manual reconciliation |
|---|
| P4 | Cross-border wholesale sandbox Two to three currencies, regulated banks, tokenized deposits and reserves. Criteria: PvP/atomic settlement, central bank autonomy, privacy, recovery |
|---|
The Agor BIS project has already demonstrated the ability to combine tokenized deposits and reserves on a common platform while maintaining national autonomy and privacy. This confirms the technical direction, but does not replace national legal decisions. [1][3]
16 / ROAD CARD
36 months: from doctrine to working corridor
| Period | Outcome of the phase | Conditions of transition |
|---|---|---|
| 0–3 months | Doctrine, dictionary, map of law, target architecture, program management authority. | approved mandate; list of jurisdictions and instruments |
| 3–6 months | Pilot's Rulebook, Threat Model, Data, KPI, Financial Model, Name Fund Design. | Signed members; legal opinions; risk appetite |
| 6–12 months | Technical and legal sandbox; digital double calculations; test failure scenarios. | proven finality; privacy assessment; recovery test |
| 12–18 months | P1 and P2 in one jurisdiction; limited number of users and projects. | KPI results; no critical violations; audit |
| 18–24 months | P3 interregional; standardized messages and mutual verification. | reduced manual operations; agreed controversial mode |
| 24–36 months | P4 cross-border wholesale corridor; independent assessment and scaling package. | decisions of central banks and regulators; stable indicators |
17 / MEASUREMENT
Results bar: not speed for speed
| Outline KPI | Indicators | Purposeful meaning |
|---|---|---|
| Payment | cost; end-to-end time; straight-through share; time to finality; controversial operations | cheaper, faster, more transparent, more affordable |
| Trust | identity errors; false positives; investigation time; confirmed fraud | compliance without excessive exclusion |
| Resilience | Liquid rupture; loss; RTO/RPO; cyber incidents; concentration | system survives stress without cascade |
| Person | access to the service; portability; complaints; data disclosure; changing capabilities | Improving lives, not increasing transactions |
| Project | compliance with budget/term; cash flow; default; independent effect | Capital is related to the real result |
| Territory | Availability of infrastructure; local cooperation; tax/economic base | Reproduction and reduction of imbalances |
| Planet | water, energy, emissions, biodiversity, preventable damage | Verifiable effect without double counting |
| Management | open decisions; conflict of interest; time of dispute; audit performance | Accountability and Adjustment |
18 / START PACKAGE
What needs to be approved by the first decision
| № | Document | Contents |
|---|---|---|
| 01 | Doctrine | values, limits of permissible, sovereignty, status MURDE and registered funds |
| 02 | Pilot mandate | jurisdiction, participants, tools, limits, deadline, stop criteria |
| 03 | Rulebook | events, roles, finality, disputes, sanctions, version updates |
| 04 | Data Architecture | ISO 20022-profile, identifiers, proofs, privacy, storage |
| 05 | Financial model | sources, reserves, collateral, waterfall, stress testing, loss coverage |
| 06 | Method of effect | baseline, additiveity, double count, verifier, results disclosure |
| 07 | Risk management | risk appetite, risk owners, recovery/resolution, cyber learning |
| 08 | Independent evaluation | legal, technical, financial, ethical and public expertise |
Concept: Sokolov Sergey Leonidovich • EQUILIBRIUM • Editorial Board 1.0 • 2026
19 / SOURCES
Normative and analytical support
[1] BIS, Annual Economic Report 2026, Chapter III: “Anchoring trust in money: innovation beyond stablecoins”.
https://www.bis.org/publ/arpdf/ar2026e3.htm
[2] Financial Stability Board, G20 Roadmap for Cross-border Payments: Consolidated Progress Report for 2025.
https://www.fsb.org/2025/10/g20-roadmap-for-cross-border-payments-consolidated-progress-report-for-2025/
[3] BIS Innovation Hub, Project Agorá: a shared programmable platform for wholesale cross-border payments, 27 May 2026.
https://www.bis.org/publ/othp110.htm
[4] World Bank, Global Findex Database 2025.
https://www.worldbank.org/en/publication/globalfindex
[5] ISO 20022, official standard overview and repository.
https://www.iso20022.org/iso-20022
[6] FATF, The FATF Recommendations, last updated June 2026.
https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html
[7] CPMI–IOSCO, Principles for Financial Market Infrastructures (PFMI).
https://www.bis.org/cpmi/info_pfmi.htm
[8] World Bank, Remittance Prices Worldwide, global average 6.36% (highlight, 2025).
https://remittanceprices.worldbank.org/
[9] IMF, “What is the SDR?”.
https://www.imf.org/en/about/factsheets/sheets/2023/special-drawing-rights-sdr
[10] IMF, Central Bank Digital Currency Virtual Handbook.
https://www.imf.org/en/topics/digital-payments-and-finance/central-bank-digital-currency/virtual-handbook
[11] United Nations, SDG 10.c: remittance costs below 3% and no corridor above 5% by 2030.
https://sdgs.un.org/goals/goal10
[12] BIS CPMI, “Tokenisation in the context of money and other assets”, 2024.
https://www.bis.org/cpmi/publ/d225.pdf
Accessed: 29 August 2026. Official primary sources have been used. The project elements EQUILIBRIUM, Ledger, MURDE, ECO‑PPA, 260 and 741 constitute the author’s concept and are not attributed to the organisations named.
Source materials
Originals and versions of the document
- Novaya_mirovaya_finansovaya_sistema.docxDOCX · main document
- Novaya_mirovaya_finansovaya_sistema.pptxPPTX · related version
Other editions in web format
Each version is disclosed separately; the sequence of the source document is saved.
NEW WORLD FINANCIAL SYSTEMNovaya_mirovaya_finansovaya_sistema.pptx · web text+
Human-centered architecture of trust, calculation and development
EQUILIBRIUM
LEDGER
741
Concept: Sokolov Sergey Leonidovich
2026
Finance is a development infrastructure, not an end in itself
TEZIS
Not one currency for everyone, but a common protocol of trust over sovereign systems.
The Sovereign Core
Compatible calculation
Central banks, national currencies and regulated deposits retain legal anchor.
ISO 20022, national gateways, PvP/atomic settlement and transparent finality.
HUMANITY
Development funds
Proven result
Name, design, territorial and natural contours link goals and resources.
The ledger records the basis, action, effect, audit, and adjustment.
Right • Goals • Dignity
Why a new superstructure is needed now
DIAGNOSIS
Why a new superstructure is needed now
GLOBAL SIGNALS
Digital infrastructure is evolving faster than agreed rules, measurable user effect, and cross-jurisdictional interoperability.
Three signals: high user cost, global result lag and proven technical feasibility of compatible calculations.
6,36%
2027
7 + 40+
average cost of sending money transfers
Most of the goals G20 are achieved at risk
Central Banks and Regulated Institutions in Project Agor
Seven layers: innovation does not weaken the monetary core
ARCHITECTURE
Governance and public mandate
Rules • Audit • Disputes
Risks, Compliance and Privacy
AML/CFT • cyber • privacy
Evidence Ledger
Base • signatures • effect
Funds and programmable contracts
Nameplate • Project • ECO‑PPA
Assets and rights of claim
Deposits • Bonds • results
Calculation and interoperability
ISO 20022 • PvP • Locks
Monetary Core
Central Bank reserves • sovereign money • deposits
Dependency rule: the top layer can add a function, but not cancel the quality of the settlement asset and the legal finality of the lower layers.
Money stack: save the core, add functions
1 Sovereign currency
Unit of account, tax and legal anchor. Not replaced by a global token.
2 Adjustable deposit
The main form of private money and credit; capital, liquidity, and supervision persist.
3 MURDE
Pilot unit of account for budgets and effects. Not a legal tender.
4 Result unit
The right to payment only after checking the infrastructure, environmental or social effects.
Name Fund — a portable contour of personal development
HUMANITY
Not a “wallet of free money”, but a contract of goals, rights, sources, limitations and proven results.
EDUCATION
HOUSING
Competence • selection • result
right • accumulation • infrastructure
NAMED
FUND
HEALTH
ENTERPRISE
insurance • prevention • access
capital • risk • cooperation
Minimization of data
portability of rights
Value before limit
EMISSION
Eₜ ≤ min(ΔVᵛᵉʳₜ, CFᵉˡᵢᵍₜ, Pᵃᵖᵖʳₜ) − Rₜ − Lₜ
ΔVᵛᵉʳ Proven Value
CFᵉˡᵢᵍ acceptable flow
Rₜ risk-buffer
Lₜ Liquidity
baseline + independent verification
contract + stress scenario
reserves + haircuts + concentration
liquid assets + recovery plan
The design principle, not the current norm: each tool requires a separate legal basis, accounting, taxation and supervision.
3 × 13 × 19 = 741
MATHEMATICS
741 — engineering completeness map
Scale × Life Cycle Phases × Subject Contours
MASSTABA
FAZ
CONTOURS
person
State
Planet
Signal → Right
Resource → Action
result → correction
• infrastructure
Finance • Security
Culture • Biosphere
741 is neither a mystical number nor an algorithm of truth. This is a control card: where there is no data, the owner of the decision, a risk buffer or proof of the result.
13 phases: from signal to adjustment
CYCLES
The Ledger connects meaning, rights, resources, action and a proven result within one life cycle.
L01
L02
L03
L04
L05
L06
L07
Signal
Sources
Verification
Base Line
Diagnosis
Scripts
Corridor
L08
L09
L10
L11
L12
L13
Options
Right
Resource
Implementation
Confirmation
Adjustment
260 = 20 Archetypes × 13 tones - map of the full semantic cycle
Federal platform: general compatibility, national autonomy
CALCULATION
National Gateway A
Regulated banks
Local Law
Currency A
Central Bank A
tokenized deposits
KYC/KYB
Liquidity
GENERAL
PROGRAMMABLE
PLATFORM
National Gateway B
Ledger
PvP / atomic settlement
Local Law
Currency B
Central Bank B
reason
Finality Status
Proof
ISO 20022 is a common message language, not a "list of compatible cryptocurrencies".
The Federation of Institutions is not a global monopoly
GOVERNANCE
Technical authority
National locks
Data schema • tests • versions
Right • Currency • Supervision
MULTILATERAL
Council
Payment operator
Funds and validators
route • finality • recovery
Mandate • Effect • Audit
The working name "World Financial Council" means a forum for coordination and standardization - not a supranational issuer with unlimited power.
Four red lines of admission
PROTECTORS
MONETARY SUSTAINABILITY
LAW AND FINALITY
Limits • Reserves • Liquidity • resolution
instrument qualification • calculation • dispute
PRIVACY AND COMPLAENCE
EFFECT AND AUDIT
Minimization of data • risk-based AML/CFT
baseline • additionality • independent validator
Stop: Uncontrolled emission • unclear finality • critical data leakage • unaddressed risk of loss • falsification of result
Four limited experiments instead of the "big bang"
PILOTS
Name Fund
ECO‑PPA
Interregional corridor
Cross-border sandbox
Education + Health + Entrepreneurship
water + energy + food; return from effect
banks + SPV + a unified Ledger
2–3 Currency + regulated banks + PvP
General criterion: measurable user and project results without weakening rights, privacy and monetary sustainability.
36 months: from doctrine to working corridor
0–6 months
Doctrine, Dictionary, Law Map, Pilot Rulebook, Data, KPI, Financial Model and Risk Appetite.
6–18 months
Legal and technical sandbox; P1 and P2 in one jurisdiction; finality, privacy and recovery test.
18–36 months
Interregional P3, then cross-border P4; independent assessment and standardization package.
MANDATE
PILOT
CORRIDOR
Authorize the pilot's mandate
FIRST DECISION
Meaning
↓
Right
↓
Data
↓
Money
↓
Action
↓
Result
↓
Adjustment
Not “to issue a new world currency”, but to test a compatible architecture of trust in a limited outline.
Borders and legal status
participants, limits and stop conditions
data, finality and privacy
Financial model and risk coverage
Method of effect and independent audit
Concept: Sokolov Sergey Leonidovich • EQUILIBRIUM • Editorial Board 1.0 • 2026
Sources indicated in the presentation 10
- https://remittanceprices.worldbank.org/
- https://www.fsb.org/2025/10/g20-roadmap-for-cross-border-payments-consolidated-progress-report-for-2025/
- https://www.bis.org/publ/othp110.htm
- [/Sources]
- https://www.imf.org/en/about/factsheets/sheets/2023/special-drawing-rights-sdr
- https://www.imf.org/en/topics/digital-payments-and-finance/central-bank-digital-currency/virtual-handbook
- https://www.iso20022.org/iso-20022
- https://www.iso20022.org/faq
- https://www.bis.org/cpmi/info_pfmi.htm
- https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html
