dbis_core/docs/volume-vii/m-rtgs.md

Multi-Asset RTGS System (M-RTGS)

Overview

M-RTGS is DBIS' next-generation RTGS system supporting instantaneous settlement (< 100ms) of:

• Fiat
• CBDC
• SSU
• Commodities
• Tokenized securities

All in a single synchronized settlement cycle.

Core Characteristics

• Settlement < 100 milliseconds
• Multi-ledger synchronization
• Commodity-backed clearing
• Collateralized RTGS via MACE engine

Queue Management

Priority Tiers

• Tier 1: Sovereign & systemic transactions
• Tier 2: Interbank transactions
• Tier 3: Retail CBDC traffic during peak hours

Queue Algorithm

priority = systemic_value + fx_cost_penalty + liquidity_weight + SRI_adjustment

Service: mrtgs-queue-manager.service.ts

API Endpoints:

• POST /api/v1/m-rtgs/queue/add - Add payment to queue
• GET /api/v1/m-rtgs/queue/next - Get next payment from queue

Settlement Processing

Service: mrtgs-settlement.service.ts

API Endpoint: POST /api/v1/m-rtgs/settle

Settlement includes:

• Multi-ledger synchronization
• Performance monitoring (< 100ms target)
• Status tracking

Real-Time Risk Controls

M-RTGS monitors:

• Transaction velocity
• Liquidity congestion
• FX slip
• Commodity price shocks
• CBDC abnormal routing patterns

Service: mrtgs-risk-monitor.service.ts

API Endpoint: POST /api/v1/m-rtgs/risk/monitor

MACE Integration

Collateralized RTGS via MACE engine for risk management.

Service: mrtgs-mace-integration.service.ts

Database Models

• MrtgsQueue - Queue entries with priority scores
• MrtgsSettlement - Settlement records with multi-asset support
• MrtgsRiskAlert - Risk monitoring alerts

Integration Points

• Existing RTGS payment service
• MACE collateral engine (Volume IV)
• ALPS liquidity engine
• GPN for routing