Iyini i-RTGS?
Izinhlelo ze-real-time gross settlement (RTGS) ziyizinhlelo ezikhethekile zokudluliswa kwemali lapho ukudluliswa kwemali noma kwezimpahla kwenzeka kusuka ebhange elilodwa kuya kwelinye ebhange "ngesikhathi sangempela" nangesisekelo "esiphelele". Ukuhlelwa "ngesikhathi sangempela" kusho ukuthi ukuthengiselana kokukhokha akubekelwa isikhathi sokulinda, futhi ukuthengiselana kuxazululwa ngokushesha nje lapho kusetshenzwa. "I-gross settlement" kusho ukuthi ukuthengiselana kuxazululwa ngendlela eyodwa-to-one, ngaphandle kokuhlanganiswa noma ukuhlanganiswa nanoma yimuphi omunye umsebenzi. "Ukuxazululwa" kusho ukuthi uma sekuqediwe, izinkokhelo ziphelele futhi azinakuguqulwa.  Izinhlelo ze-RTGS zivame ukuqhutshwa yibhange elikhulu lezwe njengoba kubhekwa njengengqalasizinda ebalulekile emnothweni wezwe. Izazi zezomnotho zikholelwa ukuthi isimiso sokukhokha sikazwelonke esisebenza kahle sinciphisa izindleko zokushintshanisa izimpahla nezinsizakalo, futhi sibalulekile ekusebenzeni kwezimakethe ze-interbank, zemali nezezimali. Uhlelo lokukhokha olubuthakathaka lungathinta kakhulu ukuzinza namandla okuthuthuka komnotho kazwelonke; ukwehluleka kwalo kungaholela ekusetshenzisweni okungasebenzi kahle kwemithombo yezimali, ukwabelana ngobugebengu obungalingani phakathi kwama-ejenti, ukulahlekelwa kwangempela kwabahlanganyeli, nokulahlekelwa ukwethembana ohlelweni lwezezimali nasekusetshenzisweni kwemali uqobo.