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  "documentTitle": "Decoding Instant Payments Emerging Markets",
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      "text": "The only thing that \"travels\" through the complex network of roads and intersections are messages with the information required to authenticate and authorize these series of debits and credits.",
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      "text": "(i) Customer C's account is debited. (ii) Bank C credits its own internal clearing account... (iii) Bank D debits its internal clearing account... (iv) Bank C debits its settlement account...",
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      "text": "But why does the envelope contain instructions and not funds? Because a payment is just an instruction to execute a series of debits and credits across a set of static accounts held in different institutions.",
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      "text": "Let's picture two examples: (1) customer A paying customer B from the same bank, and (2) customer C paying customer D located at a different bank but connected through a clearing system.",
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