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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n8kc9aic.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Payments and Market Infrastructure<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Payments and Market Infrastructure<\/h1><p class=\"nx-scene-lede\">Operational resilience of clearing, settlement, payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> and financial market utilities. Payments and Market Infrastructure is an established platform of The Global Risks Alliance.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/about\/\">Open Industry scope and publisher <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/about\/\">About GRA<\/a><\/div><\/div><dl class=\"nx-scene-stats nx-es-stats\"><div><dt class=\"nx-eyebrow\">STEM methods<\/dt><dd>6<\/dd><dd class=\"nx-scene-stat-note\">Canonical methods this field applies<\/dd><\/div><div><dt class=\"nx-eyebrow\">Topics<\/dt><dd>8<\/dd><dd class=\"nx-scene-stat-note\">Subject pages in the field<\/dd><\/div><div><dt class=\"nx-eyebrow\">Counterparts<\/dt><dd>5<\/dd><dd class=\"nx-scene-stat-note\">Platforms in shared fields across the network<\/dd><\/div><div><dt class=\"nx-eyebrow\">Report series<\/dt><dd>2<\/dd><dd class=\"nx-scene-stat-note\">Reports series it contributes to<\/dd><\/div><\/dl><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Workspace<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The workspace for Payments and Market Infrastructure.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Payments and Market Infrastructure \u00b7 RTGS operations console<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-payments-rtgs\" data-cx=\"payments.rtgs\" data-variant=\"hero\" aria-label=\"RTGS operations console: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">RTGS operations console<\/h3><p class=\"nx-fk-sub\">RTGS system \u00b7 Business day 180 \u00b7 Example interface, not a record<\/p><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Value settled today<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">45<\/span><span class=\"nx-fk-kpi-u\">local bn<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,18.4L10.2,16.8L18.4,15.2L26.5,20.6L34.7,14.8L42.9,23L51.1,21.6L59.3,13.9L67.5,6.6L75.6,8.4L83.8,6.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,18.4L10.2,16.8L18.4,15.2L26.5,20.6L34.7,14.8L42.9,23L51.1,21.6L59.3,13.9L67.5,6.6L75.6,8.4L83.8,6.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Payments queued<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">179<\/span><span class=\"nx-fk-kpi-d\" data-dir=\"up\" data-good=\"na\">65<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,18.7L10.2,23L18.4,15.7L26.5,14.2L34.7,11.8L42.9,11.4L51.1,3L59.3,12.1L67.5,4.3L75.6,19.4L83.8,12L92,6L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,18.7L10.2,23L18.4,15.7L26.5,14.2L34.7,11.8L42.9,11.4L51.1,3L59.3,12.1L67.5,4.3L75.6,19.4L83.8,12L92,6\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"6\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Availability, % this month<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">100.0<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,17.6L10.2,12L18.4,15.7L26.5,8.7L34.7,9.4L42.9,16.1L51.1,16.3L59.3,23L67.5,15.9L75.6,15.7L83.8,17.5L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,17.6L10.2,12L18.4,15.7L26.5,8.7L34.7,9.4L42.9,16.1L51.1,16.3L59.3,23L67.5,15.9L75.6,15.7L83.8,17.5L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Participants below liquidity floor<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">2<\/span><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>Alert<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,8.6L10.2,8.4L18.4,8L26.5,18.3L34.7,15.2L42.9,6.2L51.1,5.5L59.3,16.1L67.5,23L75.6,20.5L83.8,12.7L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,8.6L10.2,8.4L18.4,8L26.5,18.3L34.7,15.2L42.9,6.2L51.1,5.5L59.3,16.1L67.5,23L75.6,20.5L83.8,12.7L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Queue building at peak<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Payments and Market Infrastructure<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Intraday liquidity, system<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Intraday liquidity, system\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-payments-rtgs-c1\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Available|ink|l||0:45.2;1:42.3;2:43.2;3:44.5;4:43.9;5:42.6;6:39.4;7:44;8:49.4;9:49.3;10:46.7;11:49;12:47.5;13:48.2;14:43.4;15:44.3;16:43.1;17:48.6;18:48;19:53;20:52.3;21:50.8;22:53.6;23:54.7~Queued|acc|l||0:52.4;1:48.6;2:49.5;3:53.1;4:56.3;5:57.7;6:61.3;7:57.6;8:54;9:55.8;10:59.8;11:60.4;12:61.4;13:64.6;14:62.4;15:66.2;16:64.8;17:66.7;18:64.3;19:61.3;20:62.8;21:59.3;22:60.4;23:63.3\" data-nx-z=\"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\"><\/svg><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"tl\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Incident and failover log<\/h4><\/div><\/div><ol class=\"nx-cx-tl\"><li data-s=\"watch\"><span class=\"nx-cx-tt\">09:<span class=\"nx-cx-n\">23<\/span><\/span><span class=\"nx-cx-tag\">INC<\/span><span class=\"nx-cx-tx\">Participant P-12 message delay<\/span><\/li><li data-s=\"ok\"><span class=\"nx-cx-tt\">10:<span class=\"nx-cx-n\">18<\/span><\/span><span class=\"nx-cx-tag\">LSM<\/span><span class=\"nx-cx-tx\">Liquidity saving cycle released <span class=\"nx-cx-n\">64<\/span> payments<\/span><\/li><li><span class=\"nx-cx-tt\">14:00<\/span><span class=\"nx-cx-tag\">CUT<\/span><span class=\"nx-cx-tx\">Customer payment cut-off<\/span><\/li><li data-s=\"ok\"><span class=\"nx-cx-tt\">Q<span class=\"nx-cx-n\">2<\/span><\/span><span class=\"nx-cx-tag\">TEST<\/span><span class=\"nx-cx-tx\">Contingency site failover in <span class=\"nx-cx-n\">53<\/span> min<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>RTGS operations console.<\/span><span data-honesty=\"true\">Illustrative interface; not live data.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Payments and Market Infrastructure \u00b7 RTGS operations console.<\/strong> <span>RTGS operations console: example names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"infrastructure\" aria-label=\"Frameworks, Stress test, Topics, Exposure, loss and capital\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Frameworks, Stress test, Topics, Exposure, loss and capital\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-frameworks\" aria-selected=\"true\" data-key=\"p1\">Frameworks<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-instrument\" aria-selected=\"false\" data-key=\"p2\">Stress test<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-4-sec\" aria-selected=\"false\" data-key=\"p3\">Topics<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-sec-audience\" aria-selected=\"false\" data-key=\"p4\">Exposure, loss and capital<\/button><\/div><section id=\"nx-sec-frameworks\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-2\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Frameworks<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">What the work is read against.<\/h2><p class=\"nx-lede\">The platform does not set standards. It reads its evidence against the frameworks that competent bodies have adopted, so a finding can be placed where a decision-maker already works.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Framework or standard<\/th><th scope=\"col\">Body<\/th><th scope=\"col\">What it sets<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Framework or standard\">Principles for Financial Market Infrastructures (PFMI)<\/td><td data-label=\"Body\">Committee on Payments and Market Infrastructures (CPMI) and IOSCO<\/td><td data-label=\"What it sets\">International standards for payment <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>, central securities depositories, securities settlement systems, central counterparties and trade repositories<\/td><\/tr><tr><td data-label=\"Framework or standard\">Guidance on cyber resilience for financial market infrastructures<\/td><td data-label=\"Body\">CPMI and IOSCO<\/td><td data-label=\"What it sets\">Expectations for governance, identification, protection, detection, response and recovery, including resumption of critical operations<\/td><\/tr><tr><td data-label=\"Framework or standard\">G20 Roadmap for Enhancing Cross-border Payments<\/td><td data-label=\"Body\">Financial Stability Board with CPMI and other bodies<\/td><td data-label=\"What it sets\">Targets for the cost, speed, access and transparency of cross-border payments and the actions to reach them<\/td><\/tr><tr><td data-label=\"Framework or standard\">ISO 20022 financial messaging standard<\/td><td data-label=\"Body\">International Organization for Standardization<\/td><td data-label=\"What it sets\">A common data model and message format for payments and securities, used by major payment systems<\/td><\/tr><tr><td data-label=\"Framework or standard\">Digital Operational Resilience Act (DORA)<\/td><td data-label=\"Body\">European Union<\/td><td data-label=\"What it sets\">ICT risk management, incident reporting, resilience testing including threat-led penetration testing, and oversight of critical ICT third-party providers<\/td><\/tr><tr><td data-label=\"Framework or standard\">Guidance on CCP resilience, recovery and resolution<\/td><td data-label=\"Body\">CPMI-IOSCO and the Financial Stability Board<\/td><td data-label=\"What it sets\">Expectations for CCP stress testing, margin, recovery tools and resolution planning<\/td><\/tr><tr><td data-label=\"Framework or standard\">FSB toolkit for third-party risk management and oversight<\/td><td data-label=\"Body\">Financial Stability Board<\/td><td data-label=\"What it sets\">Common terminology and tools for financial institutions and authorities to manage third-party and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 concentration-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Risk that arises when exposures, suppliers, holdings or dependencies are clustered in one place, firm, technology or counterparty.\" data-ts=\"NRS-C1\" data-tr=\"draft\">concentration risk<\/a><\/td><\/tr><tr><td data-label=\"Framework or standard\">Post-quantum cryptography standards (FIPS 203, 204 and 205)<\/td><td data-label=\"Body\">US National Institute of Standards and Technology<\/td><td data-label=\"What it sets\">Standardised key encapsulation and signature algorithms intended to resist attack by quantum computers<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-instrument\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-ns-layout=\"es-wide\" aria-labelledby=\"nx-s-3\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Stress test<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">How a shock to assets becomes a system loss.<\/h2><p class=\"nx-lede\">The equity the system loses after interbank contagion, against the initial hit, as leverage, interconnection and recovery rates change, the core of a macroprudential <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 stress-test\" data-tk=\"Nexus risk vocabulary\" data-td=\"An assessment of how a system, portfolio or institution would perform under severe but plausible adverse scenarios, to find weaknesses before they are revealed by events.\" data-ts=\"NRS-C1\" data-tr=\"draft\">stress test<\/a>. Teaching model with stated illustrative values, not a prediction.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-in nx-fk\" id=\"nx-in-payments-market-infrastructure-0\" data-nxi=\"debtrank\" data-nxi-id=\"debtrank\" data-nxi-z=\"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\" aria-label=\"How a shock to assets becomes a system loss\"><div class=\"nx-in-body\"><div class=\"nx-in-main\"><div class=\"nx-in-tabs\" data-nxi-tabs=\"true\" aria-label=\"Views of the model\" hidden><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"result\">Result<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"net\">Network<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"fan\">Uncertainty<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"tornado\">Sensitivity<\/button><button type=\"button\" class=\"nx-in-tab\" data-nxi-view=\"loops\">Loops<\/button><\/div><div class=\"nx-in-stage\" id=\"nx-in-payments-market-infrastructure-0-stage\" data-nxi-stage=\"true\" data-view=\"result\"><svg class=\"nx-in-svg\" viewBox=\"0 0 720 340\" role=\"img\" aria-label=\"Equity lost\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-in-tip\" data-nxi-tip=\"true\" aria-live=\"polite\"><\/p><div class=\"nx-in-bar\" data-nxi-bar=\"true\" role=\"group\" aria-label=\"Play over time\" hidden><button type=\"button\" class=\"nx-in-btn\" data-nxi-prev=\"true\" aria-label=\"Step back\">&#8249;<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-play=\"true\" aria-pressed=\"false\">Play<\/button><button type=\"button\" class=\"nx-in-btn\" data-nxi-next=\"true\" aria-label=\"Step forward\">&#8250;<\/button><span class=\"nx-in-step\" data-nxi-step=\"true\" aria-live=\"polite\"><\/span><\/div><\/div><div class=\"nx-in-side\"><p class=\"nx-eyebrow\">Controls<\/p><div class=\"nx-in-ctl\" data-nxi-ctl=\"true\"><dl class=\"nx-in-pv\"><div><dt>Fall in external assets<\/dt><dd>2.0%<\/dd><\/div><div><dt>Leverage (assets over equity)<\/dt><dd>10 times<\/dd><\/div><div><dt>Interbank share of assets<\/dt><dd>10%<\/dd><\/div><div><dt>Recovery on interbank claims<\/dt><dd>40%<\/dd><\/div><div><dt>Banks in the system<\/dt><dd>20<\/dd><\/div><div><dt>Core banks<\/dt><dd>20% of banks<\/dd><\/div><\/dl><\/div><p class=\"nx-eyebrow\">Readouts<\/p><dl class=\"nx-in-out\" data-nxi-out=\"true\" aria-live=\"polite\"><div><dt>Equity lost to the initial shock<\/dt><dd>18.0%<\/dd><\/div><div><dt>Equity lost after contagion<\/dt><dd>45.0%<\/dd><\/div><div><dt>Added by contagion (DebtRank)<\/dt><dd>27.0 points<\/dd><\/div><div><dt>Banks in default<\/dt><dd>0<\/dd><\/div><\/dl><\/div><\/div><details class=\"nx-in-more\"><summary>Numbers, methods and sources<\/summary><div class=\"nx-in-more-in\"><div class=\"nx-in-tblw\" data-nxi-table=\"true\"><table class=\"nx-in-tbl\"><thead><tr><th scope=\"col\">Round<\/th><th scope=\"col\">System equity lost (%)<\/th><th scope=\"col\">Banks in default<\/th><\/tr><\/thead><tbody><tr><th scope=\"row\">0<\/th><td>18.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">1<\/th><td>28.80<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>35.28<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>39.17<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>41.50<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>42.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>43.74<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>44.24<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>44.55<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>44.73<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>44.84<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">11<\/th><td>44.90<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">12<\/th><td>44.94<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">13<\/th><td>44.96<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">14<\/th><td>44.98<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">15<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">16<\/th><td>44.99<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">17<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">18<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">19<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">20<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">21<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">22<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">23<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">24<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">25<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">26<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">27<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">28<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">29<\/th><td>45.00<\/td><td>0<\/td><\/tr><tr><th scope=\"row\">30<\/th><td>45.00<\/td><td>0<\/td><\/tr><\/tbody><\/table><\/div><button type=\"button\" class=\"nx-in-btn\" data-nxi-csv=\"true\" hidden>Download the numbers (CSV)<\/button><h4 class=\"nx-h4\">Methods<\/h4><ol class=\"nx-in-meth\"><li>DebtRank <span class=\"nx-in-cite\">Battiston and others (2012), Scientific Reports 2:541<\/span><\/li><li>Differential DebtRank <span class=\"nx-in-cite\">Bardoscia and others (2015), PLOS ONE 10<\/span><\/li><li>Contagion in financial networks <span class=\"nx-in-cite\">Gai and Kapadia (2010), Proc. R. Soc. A 466<\/span><\/li><li>Clearing in financial networks <span class=\"nx-in-cite\">Eisenberg and Noe (2001), Management Science 47<\/span><\/li><li>Uncertainty fan (parameter Monte Carlo) <span class=\"nx-in-cite\">Spiegelhalter, Pearson and Short (2011), Visualising uncertainty about the future, Science 333<\/span><\/li><li>One-at-a-time sensitivity (tornado) <span class=\"nx-in-cite\">Saltelli and others (2008), Global Sensitivity Analysis: The Primer, Wiley<\/span><\/li><\/ol><h4 class=\"nx-h4\">Data<\/h4><p class=\"nx-p\">No observed data enters this model: it runs on the teaching values set by the controls, to be replaced with a programme&#8217;s own evidence.<\/p><\/div><\/details><figcaption class=\"nx-caption\">How a shock to assets becomes a system loss. Illustrative teaching model: it runs on the values set by the controls, not on measured data. Methods: DebtRank (Battiston and others (2012), Scientific Reports 2:541); Differential DebtRank (Bardoscia and others (2015), PLOS ONE 10); Contagion in financial networks (Gai and Kapadia (2010), Proc. R. Soc. A 466).<\/figcaption><div class=\"nx-in-pls\"><p class=\"nx-eyebrow\">Across the six pillars, led by Nexus Consortium<\/p><ul class=\"nx-in-pl\" aria-label=\"Where this instrument connects across the pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Experiments<\/span> <a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Built in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/\">Payments and Market Infrastructure in Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Tested at<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\">Payments and Market Infrastructure in Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Codified in<\/span> <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Published in<\/span> <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/\">Payments and Market Infrastructure in Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-in-plv\">Taught in<\/span> <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><\/li><\/ul><\/div><span class=\"nx-in-keep\" hidden><i data-c=\"c1\"><\/i><i data-c=\"c2\"><\/i><i data-c=\"c3\"><\/i><i data-c=\"c4\"><\/i><i data-c=\"c5\"><\/i><i data-c=\"c6\"><\/i><i data-c=\"l0\"><\/i><i data-c=\"l1\"><\/i><i data-c=\"l2\"><\/i><i data-c=\"l3\"><\/i><i data-c=\"l5\"><\/i><i data-c=\"h3\"><\/i><i data-c=\"neg\"><\/i><i data-c=\"on0\"><\/i><i data-c=\"on1\"><\/i><i data-l=\"0\"><\/i><i data-l=\"1\"><\/i><i data-l=\"2\"><\/i><i data-l=\"3\"><\/i><i data-l=\"4\"><\/i><i data-l=\"5\"><\/i><i data-on=\"0\"><\/i><i data-on=\"1\"><\/i><i data-pol=\"p\"><\/i><i data-pol=\"n\"><\/i><i data-k=\"R\"><\/i><i data-k=\"B\"><\/i><i data-k=\"dash\"><\/i><i data-dash=\"true\"><\/i><i data-view=\"result\"><\/i><i data-nxi-live=\"on\"><\/i><i data-nxi-live=\"off\"><\/i><i class=\"nx-in-svg nx-in-grid nx-in-ax nx-in-tk nx-in-at nx-in-ln nx-in-band nx-in-lbl nx-in-lk nx-in-ref nx-in-reft nx-in-mk nx-in-x nx-in-rect nx-in-val nx-in-rowl nx-in-cl nx-in-arrow nx-in-pol nx-in-cln nx-in-loop nx-in-edge nx-in-node nx-in-nl nx-in-reach nx-in-trib nx-in-agent nx-in-flow nx-in-legend nx-in-sw nx-in-note nx-in-loops nx-in-3d nx-in-cv nx-in-field nx-in-fl nx-in-fv nx-in-range nx-in-btn nx-in-err nx-in-tbl nx-in-cite\"><\/i><\/span><\/figure><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-4\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Topics<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">The questions this field works on.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/retail-and-wholesale-payments\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Retail and wholesale payments<\/h3><p class=\"nx-p nx-mt-1\">Payment rails and economic continuity.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/clearing-and-settlement\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Clearing and settlement<\/h3><p class=\"nx-p nx-mt-1\">Settlement exposures and infrastructure.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/central-counterparty-risk\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Central counterparty risk<\/h3><p class=\"nx-p nx-mt-1\">CCPs, collateral and liquidity.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/cross-border-payments\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Cross border payments<\/h3><p class=\"nx-p nx-mt-1\">Interoperability and failure modes.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/payment-cyber-security\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Payment cyber security<\/h3><p class=\"nx-p nx-mt-1\">Operational integrity and threat exposure.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/third-party-concentration\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Third party concentration<\/h3><p class=\"nx-p nx-mt-1\">Cloud, identity and outsourced systems.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/cash-and-digital-resilience\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Cash and digital resilience<\/h3><p class=\"nx-p nx-mt-1\">Fallbacks and financial access.<\/p><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/operational-test-methods\/\"><span class=\"nx-eyebrow\">Topic<\/span><h3 class=\"nx-h4 nx-mt-2\">Operational test methods<\/h3><p class=\"nx-p nx-mt-1\">Failure exercises and recovery assumptions.<\/p><\/a><\/div><\/div><\/div><\/section><section id=\"nx-sec-audience\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Exposure, loss and capital<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">What Payments and Market Infrastructure means for exposure, loss and capital.<\/h2><p class=\"nx-lede\">The exposure, loss, scenario and capital views a risk officer, supervisor or ministry of finance would ask for, with the frameworks they report against. Structures follow supervisory and actuarial practice. Values are illustrative: never prices, ratings or advice.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-au\" data-au-voice=\"finance\" data-au-n=\"2\"><figure class=\"nx-au-c\" data-au-fig=\"transmission\"><h3 class=\"nx-h4\">Transmission channels<\/h3><p class=\"nx-p nx-au-what\">How a shock in Payments and Market Infrastructure reaches credit, market, underwriting, liquidity and operational risk, and feeds back.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 268\" role=\"img\" aria-label=\"Transmission channels from shocks through micro and macro channels to financial risks\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><figcaption class=\"nx-caption\"><span>Channel structure after the Basel Committee&#8217;s work on climate-related risk drivers and transmission channels; links shown are typical paths, not estimated exposures.<\/span><\/figcaption><\/figure><figure class=\"nx-au-c\" data-au-fig=\"scenario-pathways\"><h3 class=\"nx-h4\">Scenario pathways<\/h3><p class=\"nx-p nx-au-what\">How Payments and Market Infrastructure could be stressed under the scenario families central banks and supervisors use.<\/p><div class=\"nx-au-fig\"><svg class=\"nx-au-svg\" viewBox=\"0 0 560 214\" role=\"img\" aria-label=\"Combined transition and physical pressure under three scenario families\" focusable=\"false\"><line class=\"nx-au-ax\" x1=\"46\" y1=\"190\" x2=\"450\" y2=\"190\"\/><line class=\"nx-au-ax\" x1=\"46\" y1=\"16\" x2=\"46\" y2=\"190\"\/><path class=\"nx-au-ln\" d=\"M46 155.2l80.8-38.3 80.8-13.9 80.8 7 80.8 10.4 80.8 8.7\"\/><text class=\"nx-au-t\" x=\"458\" y=\"133.1\" text-anchor=\"start\">Orderly<\/text><path class=\"nx-au-ac\" d=\"M46 155.2l80.8-3.5 80.8-13.9 80.8-73.1 80.8 10.5 80.8 19.1\"\/><text class=\"nx-au-t\" x=\"458\" y=\"98.3\" text-anchor=\"start\">Disorderly<\/text><path class=\"nx-au-ln nx-au-dash\" d=\"M46 155.2l80.8-7 80.8-10.4 80.8-13.9 80.8-20.9 80.8-27.8\"\/><text class=\"nx-au-t\" x=\"458\" y=\"79.16\" text-anchor=\"start\">Hot house world<\/text><text class=\"nx-au-t\" x=\"46\" y=\"206\" text-anchor=\"middle\">2025<\/text><text class=\"nx-au-t\" x=\"126.8\" y=\"206\" text-anchor=\"middle\">2030<\/text><text class=\"nx-au-t\" x=\"207.6\" y=\"206\" text-anchor=\"middle\">2035<\/text><text class=\"nx-au-t\" x=\"288.4\" y=\"206\" text-anchor=\"middle\">2040<\/text><text class=\"nx-au-t\" x=\"369.2\" y=\"206\" text-anchor=\"middle\">2045<\/text><text class=\"nx-au-t\" x=\"450\" y=\"206\" text-anchor=\"middle\">2050<\/text><text class=\"nx-au-t\" x=\"40\" y=\"33.4\" text-anchor=\"end\">high<\/text><text class=\"nx-au-t\" x=\"40\" y=\"172.6\" text-anchor=\"end\">low<\/text><\/svg><\/div><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Scenario family<\/th><th scope=\"col\">Transition risk<\/th><th scope=\"col\">Physical risk<\/th><th scope=\"col\">What a stress test asks<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Scenario family\">Orderly<\/td><td data-label=\"Transition risk\">Early, gradual policy<\/td><td data-label=\"Physical risk\">Lower<\/td><td data-label=\"What a stress test asks\">Can the book absorb a steady repricing?<\/td><\/tr><tr><td data-label=\"Scenario family\">Disorderly<\/td><td data-label=\"Transition risk\">Late, abrupt policy<\/td><td data-label=\"Physical risk\">Lower to medium<\/td><td data-label=\"What a stress test asks\">What breaks under a sudden repricing and credit migration?<\/td><\/tr><tr><td data-label=\"Scenario family\">Hot house world<\/td><td data-label=\"Transition risk\">Limited policy<\/td><td data-label=\"Physical risk\">High and rising<\/td><td data-label=\"What a stress test asks\">Where do physical losses concentrate in collateral and insurance?<\/td><\/tr><\/tbody><\/table><\/div><figcaption class=\"nx-caption\"><span>Scenario families as defined by the NGFS; the curves are an illustrative combined pressure index, not NGFS variables or forecasts.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-chips nx-au-fw\" aria-label=\"Frameworks cited\"><span class=\"nx-chip\">NGFS climate scenarios \u00b7 Network for Greening the Financial System<\/span><span class=\"nx-chip\">IFRS S2 Climate-related Disclosures \u00b7 ISSB<\/span><span class=\"nx-chip\">TCFD recommendations \u00b7 Financial Stability Board TCFD<\/span><span class=\"nx-chip\">Principles for the effective management of climate-related financial risks \u00b7 Basel Committee on Banking Supervision<\/span><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"infrastructure\" aria-label=\"Overview, The problem, What the platform does, Foundation and counterparts\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Overview, The problem, What the platform does, Foundation and counterparts\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-sec-overview\" aria-selected=\"true\" data-key=\"p1\">Overview<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-sec-the-problem\" aria-selected=\"false\" data-key=\"p2\">The problem<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-3\" aria-controls=\"nx-sec-what-the-platform-does\" aria-selected=\"false\" data-key=\"p3\">What the platform does<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-4\" aria-controls=\"nx-sec-foundation-and-counterparts\" aria-selected=\"false\" data-key=\"p4\">Foundation and counterparts<\/button><\/div><section id=\"nx-sec-overview\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Overview<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What Payments and Market Infrastructure does.<\/h2><p class=\"nx-lede\">Payments and market infrastructure are the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> that move money and settle trades: payment systems, central securities depositories, settlement systems and central counterparties. Global Risks Alliance&#8217;s platform explains how they concentrate and transmit operational, cyber, credit and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 liquidity-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk that an entity cannot meet obligations as they fall due, or cannot sell assets without large losses.\" data-ts=\"NRS-C1\" data-tr=\"draft\">liquidity risk<\/a>, how resilience is tested and who decides. It does not operate or assess any system.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Who it serves<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its community<\/h3><p class=\"nx-p nx-mt-1\">Payment-system researchers; FMI professionals; settlement technologists.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 18h8\"\/><path d=\"M3 22h18\"\/><path d=\"M14 22a7 7 0 1 0 0-14h-1\"\/><path d=\"M9 14h2\"\/><path d=\"M9 12a2 2 0 0 1-2-2V6h6v4a2 2 0 0 1-2 2Z\"\/><path d=\"M12 6V3a1 1 0 0 0-1-1H9a1 1 0 0 0-1 1v3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">How it works<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its methods<\/h3><p class=\"nx-p nx-mt-1\">Critical function mapping; dependency and outage analysis.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z\"\/><path d=\"M14 2v4a2 2 0 0 0 2 2h4\"\/><path d=\"M10 9H8\"\/><path d=\"M16 13H8\"\/><path d=\"M16 17H8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">What it produces<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Its outputs<\/h3><p class=\"nx-p nx-mt-1\">FMI resilience guides; payment concentration studies.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-the-problem\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The problem<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">When the plumbing stops, the whole economy notices.<\/h2><p class=\"nx-lede\">Financial market infrastructures (FMIs) are the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> through which payments, securities and derivatives are cleared, settled and recorded. They are rarely visible, but wages, pensions, supplier payments, card purchases, securities trades and central bank operations all depend on them.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">A modern economy runs on layers of infrastructure. Retail payment systems process card, account-to-account and mobile payments; large-value systems, often operated by central banks, settle interbank obligations in central bank money; securities settlement systems and central securities depositories transfer ownership of securities; central counterparties stand between buyers and sellers in many markets; and trade repositories record derivatives. These systems are linked to each other and to banks, payment service providers, messaging networks, cloud providers and telecommunications.<\/p><p class=\"nx-p\">Because FMIs concentrate activity, their failure has systemic consequences. An outage in a large-value payment system can leave banks unable to make payments, creating liquidity shortfalls that spread through the system. A cyber attack on a widely used provider can halt payments across sectors. Stress at a central counterparty during extreme market moves can force large, sudden demands for collateral that drain liquidity from members and markets. Even a few hours of disruption can affect wages, supply chains and confidence.<\/p><p class=\"nx-p\">Resilience is challenged by change as well as shocks. Instant payments operate around the clock, removing the overnight window that once allowed recovery. Dependence on a few technology providers is growing. New technologies such as distributed ledgers and tokenised assets, and the prospect of quantum computers capable of breaking current cryptography, raise new questions about how infrastructures will remain safe.<\/p><\/div><\/div><\/section><section id=\"nx-sec-what-the-platform-does\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">What the platform does<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Shared understanding of critical functions and dependencies.<\/h2><p class=\"nx-lede\">The platform builds a common, industry-wide picture of how financial market infrastructures can fail and how they recover, using published and aggregated evidence.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Critical functions<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">What must continue<\/h3><p class=\"nx-p nx-mt-1\">Mapping of the functions that payment and market infrastructures provide to the economy and the dependencies behind each one.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Dependencies<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Where concentration sits<\/h3><p class=\"nx-p nx-mt-1\">Analysis of shared providers, links between infrastructures and the paths through which outages and stress propagate.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Outage analysis<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">How failure unfolds<\/h3><p class=\"nx-p nx-mt-1\">Study of published incidents and scenarios to understand failure modes, recovery times and fallback arrangements.<\/p><\/div><\/div><p class=\"nx-note nx-mt-3\">GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval. GRA does not operate, connect to or test any live payment system, and it assesses no individual institution.<\/p><\/div><\/div><\/section><section id=\"nx-sec-foundation-and-counterparts\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Foundation and counterparts<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Science and governance counterparts at the other institutions.<\/h2><p class=\"nx-lede\">The platform stewards the method page for <a class=\"nx-link\" href=\"https:\/\/therisk.global\/stem\/technology\/payments-technology\/\">payment and financial market technology<\/a> and applies network science and contagion, reliability and resilience engineering, cybersecurity and cryptography, distributed ledgers and digital assets and quantum computing, sensing and communication, listed on the platform STEM foundation. It draws on the Foundry <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s10\" data-tc=\"NXS-NET\" data-tk=\"Nexus system\" data-td=\"Network topology and continuity\" data-ts=\"NRS-S10\">NXS-NET (network topology and continuity)<\/a>, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s12\" data-tc=\"NXS-SIG\" data-tk=\"Nexus system\" data-td=\"Signal, spectrum, timing and PNT\" data-ts=\"NRS-S12\">NXS-SIG (signal, spectrum, timing and PNT)<\/a> and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s13\" data-tc=\"NXS-NSF\" data-tk=\"Nexus system\" data-td=\"Trust, authorization and assurance\" data-ts=\"NRS-S13\">NXS-NSF (trust, authorisation and assurance)<\/a>, and contributes to the Strategic Systems and Scenario and Stress-Test series.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">The underlying science is done at The Global Centre for Risk and Innovation (GCRI), with <a class=\"nx-link\" href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\">Cybersecurity and Digital Resilience<\/a>, Quantum Technologies and Digital Public Infrastructure. At the Global Risks Forum (GRF), <a class=\"nx-link\" href=\"https:\/\/globalriskforum.com\/capital\/\">Capital Nexus<\/a> and AI and Digital Governance convene governance dialogue on capital and digital technology. Within GRA, the platform works with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-cyber-resilience\/\">Financial Cyber and Operational Resilience<\/a>, Fintech Nexus and Financial Stability. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/counterparts\/\">counterparts across the Consortium<\/a>.<\/p><p class=\"nx-p\">A <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h54\" data-tc=\"NHS-1 cyber.platform.payment-outage\" data-tk=\"Information and cyber-physical systems \u00b7 Signal and platform disruption\" data-td=\"Failure of payment, banking or settlement systems that stops transactions and access to cash.\" data-ts=\"NRS-H54\" data-tr=\"draft\">payment system outage<\/a> is the platform&#8217;s theme in the <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\">Universe programme<\/a>, exercised as a simulated learning case that touches no live system.<\/p><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-3\" data-hue=\"infrastructure\" aria-label=\"Coverage, Grounding, Cycle\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Coverage, Grounding, Cycle\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-1\" aria-controls=\"nx-sec-areas\" aria-selected=\"true\" data-key=\"p1\">Coverage<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-2\" aria-controls=\"nx-sec-grounding\" aria-selected=\"false\" data-key=\"p2\">Grounding<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-3-tab-3\" aria-controls=\"nx-sec-cycle\" aria-selected=\"false\" data-key=\"p3\">Cycle<\/button><\/div><section id=\"nx-sec-areas\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-10\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Coverage<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">The areas of financial stability this platform takes on.<\/h2><p class=\"nx-lede\">Payments and Market Infrastructure studies the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> that move money and settle trades: retail and wholesale payment systems, central securities depositories, securities settlement, central counterparties and the networks that link them across borders. These systems concentrate risk by design, so their failure would stop activity across the economy. Its pages set out how operational, cyber, credit and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 liquidity-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"The risk that an entity cannot meet obligations as they fall due, or cannot sell assets without large losses.\" data-ts=\"NRS-C1\" data-tr=\"draft\">liquidity risk<\/a> arise and spread, how resilience is tested, and who decides. Global Risks Alliance shares industry understanding and does not operate, assess or certify any infrastructure.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><div class=\"nx-cells\" data-cols=\"4\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"20\" height=\"12\" x=\"2\" y=\"6\" rx=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><path d=\"M6 12h.01M18 12h.01\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Retail and wholesale payments<\/h3><p class=\"nx-p nx-mt-1\">Card, account-to-account, instant and large-value payment systems, and the settlement assets they use.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"8\" height=\"8\" x=\"3\" y=\"3\" rx=\"2\"\/><path d=\"M7 11v4a2 2 0 0 0 2 2h4\"\/><rect width=\"8\" height=\"8\" x=\"13\" y=\"13\" rx=\"2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Clearing and settlement<\/h3><p class=\"nx-p nx-mt-1\">Securities settlement, central securities depositories, settlement cycles and delivery-versus-payment.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 13c0 5-3.5 7.5-7.66 8.95a1 1 0 0 1-.67-.01C7.5 20.5 4 18 4 13V6a1 1 0 0 1 1-1c2 0 4.5-1.2 6.24-2.72a1.17 1.17 0 0 1 1.52 0C14.51 3.81 17 5 19 5a1 1 0 0 1 1 1z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Central counterparties<\/h3><p class=\"nx-p nx-mt-1\">How CCPs manage default risk through margin, default funds and recovery and resolution arrangements.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21.54 15H17a2 2 0 0 0-2 2v4.54\"\/><path d=\"M7 3.34V5a3 3 0 0 0 3 3v0a2 2 0 0 1 2 2v0c0 1.1.9 2 2 2v0a2 2 0 0 0 2-2v0c0-1.1.9-2 2-2h3.17\"\/><path d=\"M11 21.95V18a2 2 0 0 0-2-2v0a2 2 0 0 1-2-2v-1a2 2 0 0 0-2-2H2.05\"\/><circle cx=\"12\" cy=\"12\" r=\"10\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cross-border payments<\/h3><p class=\"nx-p nx-mt-1\">Correspondent banking, messaging standards, interlinking of fast payment systems and the G20 targets for cost, speed, access and transparency.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Payment cyber security<\/h3><p class=\"nx-p nx-mt-1\">Threats to payment and settlement systems, endpoint security and recovery from cyber attack.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"16\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"2\" y=\"16\" width=\"6\" height=\"6\" rx=\"1\"\/><rect x=\"9\" y=\"2\" width=\"6\" height=\"6\" rx=\"1\"\/><path d=\"M5 16v-3a1 1 0 0 1 1-1h12a1 1 0 0 1 1 1v3\"\/><path d=\"M12 12V8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Third-party concentration<\/h3><p class=\"nx-p nx-mt-1\">Dependence of infrastructures and participants on cloud, messaging and technology providers.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M11 15h2a2 2 0 1 0 0-4h-3c-.6 0-1.1.2-1.4.6L3 17\"\/><path d=\"m7 21 1.6-1.4c.3-.4.8-.6 1.4-.6h4c1.1 0 2.1-.4 2.8-1.2l4.6-4.4a2 2 0 0 0-2.75-2.91l-4.2 3.9\"\/><path d=\"m2 16 6 6\"\/><circle cx=\"16\" cy=\"9\" r=\"2.9\"\/><circle cx=\"6\" cy=\"5\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Cash and digital resilience<\/h3><p class=\"nx-p nx-mt-1\">The role of cash, offline payments and central bank money when digital channels fail.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3.85 8.62a4 4 0 0 1 4.78-4.77 4 4 0 0 1 6.74 0 4 4 0 0 1 4.78 4.78 4 4 0 0 1 0 6.74 4 4 0 0 1-4.77 4.78 4 4 0 0 1-6.75 0 4 4 0 0 1-4.78-4.77 4 4 0 0 1 0-6.76Z\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Area<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Operational testing<\/h3><p class=\"nx-p nx-mt-1\">Scenario testing, recovery testing, red-teaming and market-wide exercises for infrastructures.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-grounding\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-11\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Grounding<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Built on named science, technology, engineering and mathematics.<\/h2><p class=\"nx-lede\">Every claim on Payments and Market Infrastructure rests on methods with a canonical page in the STEM Commons, so readers can see what a finding depends on and where its limits lie.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-chips\"><span class=\"nx-chip\">Payment and financial market technology<\/span><span class=\"nx-chip\">Network science and contagion<\/span><span class=\"nx-chip\">Reliability and resilience engineering<\/span><span class=\"nx-chip\">Cybersecurity and cryptography<\/span><span class=\"nx-chip\">Distributed ledgers and digital assets<\/span><span class=\"nx-chip\">Quantum computing, sensing and communication<\/span><\/div><p class=\"nx-p nx-mt-3\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/\">See the STEM foundation of Payments and Market Infrastructure<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-cycle\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-12\" role=\"tabpanel\" data-band-tab=\"nx-band-3-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Cycle<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How work moves in this field.<\/h2><p class=\"nx-lede\">A question becomes evidence, a governed build, an organised community, a controlled test, a reviewed publication and, finally, a decision taken by the competent authority under its own rules.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cycle-lanes\"><ol class=\"nx-pl-list\"><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Question<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a><\/span> National, regional or institutional priority. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/programmes\/\">Question in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Evidence<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> STEM foundation of the platform. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/\">Evidence in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Build<\/strong> <span class=\"nx-pl-in\">Foundry<\/span> Foundry. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/\">Build in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Organise<\/strong> <span class=\"nx-pl-in\">Universe<\/span> <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/organization\/architecture\/ii.-definitions\/i.-nexus-ecosystem\" data-tc=\"Nexus Ecosystem\" data-tk=\"Nexus Standards\" data-td=\"The whole of the institutions, pillars, systems and communities\">Nexus ecosystem<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/community\/\">Organise in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Test<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Universe (independent site). <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\">Test in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Publish<\/strong> <span class=\"nx-pl-in\"><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span> Reports. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/\">Publish in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Decide<\/strong> <span class=\"nx-pl-in\">Competent authority<\/span> Competent authorities and institutions, through <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s18\" data-tc=\"NXS-RLS\" data-tk=\"Nexus system\" data-td=\"Participants, agreements and handoffs\" data-ts=\"NRS-S18\">NXS-RLS (participants, agreements and handoffs)<\/a>. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/trust\/\">Decide in Payments and Market Infrastructure<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><strong>Renew<\/strong> <span class=\"nx-pl-in\">Universe<\/span> Corrections and the next annual agenda. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/programmes\/\">Renew in Payments and Market Infrastructure<\/a><\/li><\/ol><p class=\"nx-caption\"><span>Each step of the cycle in the pillar it runs in; the decision stays with the competent authority, outside the programme.<\/span><\/p><ul class=\"nx-pl-legend\" aria-label=\"Pillars\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/universe.nexus\/\">Universe<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/\">Risk Academy<\/a><\/li><li data-pillar=\"authority\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span>Competent authority (outside the programme)<\/li><\/ul><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-pillars\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Six pillars<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How this works across the six pillars.<\/h2><p class=\"nx-lede\">Payments and Market Infrastructure works through six pillars of one annual programme, led by the Nexus Consortium, with GCRI, GRF and GRA each contributing in its role: explore, experiment and prototype in <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/labs\" data-tc=\"Labs\" data-tk=\"Nexus Standards\" data-td=\"The research pillar of the programme, one of six (OR-11, OR-12)\">Labs<\/a>, build, simulate and prepare in Foundry, convene and test in Universe, codify, correct and apply in <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a>, publish in every format in Reports, teach in the open in Risk Academy.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-pl-ring nx-canvas-wrap\" data-pl-hex=\"true\"><figure class=\"nx-nsig nx-phex\" data-nx-phex=\"012345\" data-phex-ctx=\"whole\" data-phex=\"{&quot;S&quot;:[{&quot;id&quot;:&quot;labs&quot;,&quot;c&quot;:&quot;L&quot;,&quot;name&quot;:&quot;Labs&quot;,&quot;full&quot;:&quot;Labs&quot;,&quot;verb&quot;:&quot;Experiments&quot;,&quot;url&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-labs\/&quot;,&quot;does&quot;:[&quot;Turns open questions into designed experiments&quot;,&quot;Prototypes new methods, data pipelines and tools&quot;,&quot;Records failures and limits alongside results&quot;,&quot;Hands reproducible prototypes to the Foundry&quot;]},{&quot;id&quot;:&quot;foundry&quot;,&quot;c&quot;:&quot;F&quot;,&quot;name&quot;:&quot;Foundry&quot;,&quot;full&quot;:&quot;Foundry&quot;,&quot;verb&quot;:&quot;Builds&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-foundry\/&quot;,&quot;does&quot;:[&quot;Builds the cycle's software, data and environments&quot;,&quot;Simulates scenarios and runs benchmarks&quot;,&quot;Monitors hazards, systems and evidence&quot;,&quot;Develops and tracks the National Portfolio&quot;]},{&quot;id&quot;:&quot;universe&quot;,&quot;c&quot;:&quot;U&quot;,&quot;name&quot;:&quot;Universe&quot;,&quot;full&quot;:&quot;Universe&quot;,&quot;verb&quot;:&quot;Convenes and tests&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/&quot;,&quot;home&quot;:&quot;https:\/\/universe.nexus\/&quot;,&quot;does&quot;:[&quot;Sets the annual mandate and admits missions&quot;,&quot;Runs readiness, the controlled build and Action Week&quot;,&quot;Stands down temporary capacity and seals evidence&quot;,&quot;Reviews the year and renews the mandate&quot;]},{&quot;id&quot;:&quot;standards&quot;,&quot;c&quot;:&quot;S&quot;,&quot;name&quot;:&quot;Standards&quot;,&quot;full&quot;:&quot;Nexus Standards&quot;,&quot;verb&quot;:&quot;Codify and correct&quot;,&quot;url&quot;:&quot;https:\/\/nexustandards.com\/finance\/&quot;,&quot;home&quot;:&quot;https:\/\/nexustandards.com\/&quot;,&quot;does&quot;:[&quot;Identifies every artefact with a UNI&quot;,&quot;Routes work to the standards that apply&quot;,&quot;Validates and monitors conformance evidence&quot;,&quot;Takes cycle findings as change proposals&quot;,&quot;Records national adoption&quot;]},{&quot;id&quot;:&quot;reports&quot;,&quot;c&quot;:&quot;R&quot;,&quot;name&quot;:&quot;Reports&quot;,&quot;full&quot;:&quot;Reports&quot;,&quot;verb&quot;:&quot;Publishes&quot;,&quot;url&quot;:&quot;https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/&quot;,&quot;home&quot;:&quot;https:\/\/therisk.global\/nexus-reports\/&quot;,&quot;does&quot;:[&quot;Publishes four editions a year, with Q4 as the annual flagship&quot;,&quot;Maintains country and regional profiles&quot;,&quot;Publishes exponential technology streams&quot;,&quot;Records corrections and method changes&quot;]},{&quot;id&quot;:&quot;academy&quot;,&quot;c&quot;:&quot;A&quot;,&quot;name&quot;:&quot;Academy&quot;,&quot;full&quot;:&quot;Risk Academy&quot;,&quot;verb&quot;:&quot;Teaches&quot;,&quot;url&quot;:&quot;https:\/\/risksacademy.com\/finance-economics\/&quot;,&quot;home&quot;:&quot;https:\/\/risksacademy.com\/&quot;,&quot;does&quot;:[&quot;Publishes a course for every system, standard and programme role&quot;,&quot;Assesses learning on real cycle tasks&quot;,&quot;Issues microcredentials and achievements through accountable issuers&quot;,&quot;Feeds qualified people into the next cycle&quot;]}],&quot;H&quot;:[{&quot;id&quot;:&quot;F01&quot;,&quot;f&quot;:2,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Admitted mission becomes a cycle project with a decision case&quot;},{&quot;id&quot;:&quot;F02&quot;,&quot;f&quot;:1,&quot;t&quot;:2,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Core Build Report and go or no-go evidence&quot;},{&quot;id&quot;:&quot;F03&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Sealed observations and indicator series behind a profile&quot;},{&quot;id&quot;:&quot;F04&quot;,&quot;f&quot;:2,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;After-action and scenario findings for chapters 10 and 13&quot;},{&quot;id&quot;:&quot;F05&quot;,&quot;f&quot;:1,&quot;t&quot;:4,&quot;ph&quot;:&quot;AFTER_ACTION_REVIEW&quot;,&quot;art&quot;:&quot;National Portfolio movement for chapter 11&quot;},{&quot;id&quot;:&quot;F06&quot;,&quot;f&quot;:4,&quot;t&quot;:3,&quot;ph&quot;:&quot;CORRECTION&quot;,&quot;art&quot;:&quot;Method and correction findings as change proposals&quot;},{&quot;id&quot;:&quot;F07&quot;,&quot;f&quot;:2,&quot;t&quot;:3,&quot;ph&quot;:&quot;DOCKET_REVIEW&quot;,&quot;art&quot;:&quot;Docket items that need a standard or a profile&quot;},{&quot;id&quot;:&quot;F08&quot;,&quot;f&quot;:3,&quot;t&quot;:1,&quot;ph&quot;:&quot;READINESS_PREPARATION&quot;,&quot;art&quot;:&quot;Composed mission profiles and national adoption records&quot;},{&quot;id&quot;:&quot;F09&quot;,&quot;f&quot;:3,&quot;t&quot;:5,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Each adopted standard or profile becomes a course module&quot;},{&quot;id&quot;:&quot;F10&quot;,&quot;f&quot;:2,&quot;t&quot;:5,&quot;ph&quot;:&quot;CLOSEOUT&quot;,&quot;art&quot;:&quot;Assessed cycle tasks become completion evidence&quot;},{&quot;id&quot;:&quot;F11&quot;,&quot;f&quot;:5,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Qualified participants for the next cycle's roles&quot;},{&quot;id&quot;:&quot;F12&quot;,&quot;f&quot;:4,&quot;t&quot;:2,&quot;ph&quot;:&quot;RENEWAL&quot;,&quot;art&quot;:&quot;Q4 synthesis informs the next-year mandate&quot;},{&quot;id&quot;:&quot;F13&quot;,&quot;f&quot;:1,&quot;t&quot;:3,&quot;ph&quot;:&quot;CONTROLLED_BUILD&quot;,&quot;art&quot;:&quot;Validation and monitoring evidence for conformance review&quot;},{&quot;id&quot;:&quot;F14&quot;,&quot;f&quot;:1,&quot;t&quot;:5,&quot;ph&quot;:&quot;PLANNING&quot;,&quot;art&quot;:&quot;Each system's rooms become a learning-by-doing course&quot;},{&quot;id&quot;:&quot;R1&quot;,&quot;f&quot;:3,&quot;t&quot;:4,&quot;ph&quot;:null,&quot;art&quot;:&quot;Applied in editions&quot;},{&quot;id&quot;:&quot;R2&quot;,&quot;f&quot;:4,&quot;t&quot;:5,&quot;ph&quot;:null,&quot;art&quot;:&quot;Taught in the open&quot;},{&quot;id&quot;:&quot;R3&quot;,&quot;f&quot;:5,&quot;t&quot;:0,&quot;ph&quot;:null,&quot;art&quot;:&quot;Questions become experiments&quot;},{&quot;id&quot;:&quot;R4&quot;,&quot;f&quot;:0,&quot;t&quot;:1,&quot;ph&quot;:null,&quot;art&quot;:&quot;Tested prototypes are built&quot;}],&quot;PH&quot;:[[&quot;PLANNING&quot;,&quot;Planning&quot;],[&quot;READINESS_PREPARATION&quot;,&quot;Readiness preparation&quot;],[&quot;CONTROLLED_BUILD&quot;,&quot;Controlled build&quot;],[&quot;CLOSEOUT&quot;,&quot;Closeout&quot;],[&quot;AFTER_ACTION_REVIEW&quot;,&quot;After-action review&quot;],[&quot;CORRECTION&quot;,&quot;Correction&quot;],[&quot;DOCKET_REVIEW&quot;,&quot;Docket review&quot;],[&quot;RENEWAL&quot;,&quot;Renewal&quot;]],&quot;L&quot;:[[1,3],[1,2],[2,5],[2,4],[1,5,2],[1,4,3],[1,4,2],[1,2,3],[2,3,5],[1,5,2,3],[1,4,2,3],[1,3,5,2],[1,2,4,3],[2,4,3,5],[1,5,2,4,3],[1,4,3,5,2],[0,1,2,3,4,5]],&quot;CTX&quot;:[{&quot;id&quot;:&quot;whole&quot;,&quot;n&quot;:&quot;The whole programme&quot;,&quot;s&quot;:[0,1,2,3,4,5],&quot;t&quot;:&quot;Every pillar hands its work to another; together they close the year's feedback loops.&quot;},{&quot;id&quot;:&quot;practice&quot;,&quot;n&quot;:&quot;From prototype to practice&quot;,&quot;s&quot;:[0,1,2,3],&quot;t&quot;:&quot;A Labs prototype is built in the Foundry, tested in a Universe mission and codified as a standard.&quot;},{&quot;id&quot;:&quot;build-test&quot;,&quot;n&quot;:&quot;Build and test&quot;,&quot;s&quot;:[1,2],&quot;t&quot;:&quot;The Foundry builds what a mission needs; Universe returns the go or no-go evidence.&quot;},{&quot;id&quot;:&quot;conformance&quot;,&quot;n&quot;:&quot;Conformance&quot;,&quot;s&quot;:[1,3],&quot;t&quot;:&quot;Validation evidence goes to Standards for review; composed profiles come back for the next build.&quot;},{&quot;id&quot;:&quot;correction&quot;,&quot;n&quot;:&quot;A finding becomes a correction&quot;,&quot;s&quot;:[1,4,3],&quot;t&quot;:&quot;Observations are published, a method finding becomes a change proposal, the corrected profile returns to the build.&quot;},{&quot;id&quot;:&quot;mandate&quot;,&quot;n&quot;:&quot;Setting the next mandate&quot;,&quot;s&quot;:[2,4],&quot;t&quot;:&quot;After-action findings go into the editions; the Q4 synthesis informs next year's mandate.&quot;},{&quot;id&quot;:&quot;people&quot;,&quot;n&quot;:&quot;People for the next cycle&quot;,&quot;s&quot;:[2,5],&quot;t&quot;:&quot;Assessed cycle tasks become completion evidence; qualified participants take roles in the next cycle.&quot;},{&quot;id&quot;:&quot;learning&quot;,&quot;n&quot;:&quot;Learning by doing&quot;,&quot;s&quot;:[1,2,5],&quot;t&quot;:&quot;Each system's rooms become a course; learners join missions, and missions return to the Foundry.&quot;}]}\"><div class=\"nx-nsig-plate\"><div class=\"nx-nsig-strip\" role=\"group\" aria-label=\"Routes through the programme\" hidden><\/div><div class=\"nx-nsig-stage\"><div class=\"nx-nsig-top\"><span>Select pillars \u00b7 hover lines<\/span><span class=\"nx-nsig-pairs\">18 \/ 18 handoffs<\/span><\/div><div class=\"nx-nsig-tilt\"><svg class=\"nx-nsig-svg\" viewBox=\"-370 -290 740 580\" role=\"img\" aria-label=\"The six pillars of the Consortium's programme: 18 of 18 handoffs in play, 17 feedback loops closed.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><p class=\"nx-phex-legend\" aria-hidden=\"true\"><span><i class=\"nx-phex-k1\"><\/i>handoff in play<\/span><span><i class=\"nx-phex-k2\"><\/i>recorded handoff<\/span><span><i class=\"nx-phex-k3\"><\/i>no direct handoff<\/span><\/p><div class=\"nx-phex-phase\" hidden><p class=\"nx-phex-phh\"><span class=\"nx-phex-phk\">Programme year<\/span><span class=\"nx-phex-pn\">All phases<\/span><\/p><div class=\"nx-phex-steps\" role=\"group\" aria-label=\"Phases of the programme year\"><\/div><div class=\"nx-nsig-actions\"><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"play\">Play the year<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"allph\">All phases<\/button><\/div><\/div><\/div><div class=\"nx-nsig-read\"><div><p class=\"nx-nsig-k\">Route<\/p><p class=\"nx-nsig-name\">The whole programme<\/p><p class=\"nx-nsig-line\">Every pillar hands its work to another; together they close the year&#8217;s feedback loops.<\/p><\/div><p class=\"nx-nsig-code\" aria-live=\"polite\"><span>L<\/span> \u00b7 <span>F<\/span> \u00b7 <span>U<\/span> \u00b7 <span>S<\/span> \u00b7 <span>R<\/span> \u00b7 <span>A<\/span><\/p><dl class=\"nx-nsig-stats\"><div><dt>Pillars<\/dt><dd><strong>6<\/strong> <small>of 6<\/small><\/dd><\/div><div><dt>Handoffs<\/dt><dd><strong>18<\/strong> <small>of 18<\/small><\/dd><\/div><div><dt>Loops<\/dt><dd><strong>17<\/strong> <small>closed<\/small><\/dd><\/div><\/dl><div class=\"nx-nsig-detail\"><h3 class=\"nx-nsig-dh\">Handoffs in play<\/h3><ul class=\"nx-nsig-rel nx-phex-rel\"><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F01<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Foundry<\/b> \u00b7 Admitted mission becomes a cycle project with a decision case<\/span><span class=\"nx-phex-ph\">Readiness preparation<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F02<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Universe<\/b> \u00b7 Core Build Report and go or no-go evidence<\/span><span class=\"nx-phex-ph\">Controlled build<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F03<\/span><span class=\"nx-nsig-rt\"><b>Foundry \u2192 Reports<\/b> \u00b7 Sealed observations and indicator series behind a profile<\/span><span class=\"nx-phex-ph\">Closeout<\/span><\/li><li class=\"nx-phex-h\"><span class=\"nx-phex-id\">F04<\/span><span class=\"nx-nsig-rt\"><b>Universe \u2192 Reports<\/b> \u00b7 After-action and scenario findings for chapters 10 and 13<\/span><span class=\"nx-phex-ph\">After-action review<\/span><\/li><\/ul><p class=\"nx-nsig-hint\">and 14 more<\/p><\/div><div class=\"nx-nsig-actions\" data-phex-acts=\"true\" hidden><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"all\">Whole ring<\/button><button type=\"button\" class=\"nx-nsig-btn\" data-phex-act=\"clear\">Clear<\/button><button type=\"button\" class=\"nx-nsig-btn nx-nsig-pri\" data-phex-act=\"copy\">Copy route<\/button><\/div><\/div><\/div><figcaption class=\"nx-nsig-note\">F01 to F14 are the recorded handoffs of the programme year, each with the artefact that moves and its phase; R1, R2, R3 and R4 carry work around the ring. A loop counts when every pillar on it is selected. Every pillar is led by the Nexus Consortium.<\/figcaption><\/figure><ol class=\"nx-pl-list\"><li data-pillar=\"labs\" data-hue=\"social\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Labs<\/span><span class=\"nx-pl-role\">Where questions become experiments and prototypes: new methods, data and tools are tried in the open, with their limits on record, before the Foundry builds them, under the Nexus Consortium.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/therisk.global\/nexus-labs\/\">Labs<\/a><\/li><li data-pillar=\"foundry\" data-hue=\"infrastructure\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Foundry<\/span><span class=\"nx-pl-role\">Where exposure and scenario evidence is built so supervisors, insurers and investors can read it.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/\">Payments and Market Infrastructure in Foundry<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-foundry\/\">Foundry<\/a><\/li><li data-pillar=\"universe\" data-hue=\"water\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Universe<\/span><span class=\"nx-pl-role\">Where scenarios are tested in controlled exercises, and finance-readiness dialogues read what they mean for capital and cover.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\">Payments and Market Infrastructure in Universe<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/universe.nexus\/\">universe.nexus<\/a><\/li><li data-pillar=\"standards\" data-hue=\"biodiversity\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Nexus Standards<\/span><span class=\"nx-pl-role\">Where disclosure and data rules are codified so risk evidence is comparable for finance and insurance.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/nexustandards.com\/finance\/\">Finance, Insurance and the Economy in Standards<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/nexustandards.com\/\">nexustandards.com<\/a><\/li><li data-pillar=\"reports\" data-hue=\"energy\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Reports<\/span><span class=\"nx-pl-role\">Where sector analysis and the finance and insurance readiness series are published, with exposure and limits stated.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/\">Payments and Market Infrastructure in Reports<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/therisk.global\/nexus-reports\/\">Reports<\/a><\/li><li data-pillar=\"academy\" data-hue=\"risk\"><span class=\"nx-pl-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-pl-name\">Risk Academy<\/span><span class=\"nx-pl-role\">Where finance, insurance and public-finance professionals learn to read risk evidence, on Risk Academy.<\/span><a class=\"nx-link nx-pl-go\" href=\"https:\/\/risksacademy.com\/finance-economics\/\">Faculty of Finance and Economics in Academy<\/a><a class=\"nx-link nx-pl-home\" href=\"https:\/\/risksacademy.com\/\">risksacademy.com<\/a><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-4\" data-hue=\"infrastructure\" aria-label=\"Consortium, Pages, Connected, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Consortium, Pages, Connected, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-1\" aria-controls=\"nx-sec-consortium\" aria-selected=\"true\" data-key=\"p1\">Consortium<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-2\" aria-controls=\"nx-s-15-sec\" aria-selected=\"false\" data-key=\"p2\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-3\" aria-controls=\"nx-s-16-sec\" aria-selected=\"false\" data-key=\"p3\">Connected<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-4-tab-4\" aria-controls=\"nx-s-17-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-consortium\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" data-variant=\"band\" aria-labelledby=\"nx-s-14\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Consortium<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">The same field, seen three ways.<\/h2><p class=\"nx-lede\">GCRI studies a field as science, GRF governs it and GRA builds shared financial understanding of it. Payments and Market Infrastructure links to its counterparts so that work on one side is visible on the others.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><ul class=\"nx-dir\" data-cols=\"3\" aria-label=\"Platform\"><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/cyber-digital-resilience\/\"><span class=\"nx-dir-name\">Cybersecurity and Digital Resilience<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/quantum\/\"><span class=\"nx-dir-name\">Quantum Technologies<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/therisk.global\/digital-public-infrastructure\/\"><span class=\"nx-dir-name\">Digital Public Infrastructure<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GCRI<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Digital public infrastructure, Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/capital\/\"><span class=\"nx-dir-name\">Capital Nexus<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Financial stability<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-dir-row\" href=\"https:\/\/globalriskforum.com\/ai-digital-governance\/\"><span class=\"nx-dir-name\">AI and Digital Governance<\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Institution<\/span><span class=\"nx-dir-v\">GRF<\/span><\/span><span class=\"nx-dir-fact\"><span class=\"nx-dir-k\">Shared field<\/span><span class=\"nx-dir-v\">Digital public infrastructure, Cyber and digital resilience<\/span><\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-15\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">15<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Pages<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Pages in Payments and Market Infrastructure.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/about\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Industry scope and publisher<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/sector\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Financial discipline overview<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/research\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional research<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/innovation\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Technology and emerging practices<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/readiness\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Resilience and finance readiness<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/programmes\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Research and industry programmes<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/tools\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Analytical and data resources<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/community\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional community<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/learning\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional learning<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/events\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Professional meetings<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/publications\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Reports and sector briefs<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/participate\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Membership and research participation<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/contact\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Contact the industry platform<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/trust\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Antitrust, independence and financial perimeter<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/stem\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">STEM foundation of Payments and Market Infrastructure<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/cycle\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">How work moves in this field<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/foundry\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Build in Foundry<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/universe\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Test in Universe<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/reports\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Publish in Reports<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/counterparts\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">The same field across the Consortium<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/topics\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Topics<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-16-sec\" class=\"nx-section nx-band-panel\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-16\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">16<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-16\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/stability\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Financial stability<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/cyber\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Cyber and digital resilience<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/therisk.global\/fields\/dpi\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Field gateway<\/span><span class=\"nx-dest-host\">GCRI<\/span><\/span><span class=\"nx-dest-title\">Digital public infrastructure<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-17-sec\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" aria-labelledby=\"nx-s-17\" role=\"tabpanel\" data-band-tab=\"nx-band-4-tab-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">17<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-17\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>Who publishes Payments and Market Infrastructure?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA) publishes Payments and Market Infrastructure and is responsible for what it publishes. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, and readiness work is not approval.<\/div><\/details><details><summary>Is Payments and Market Infrastructure active?<\/summary><div class=\"nx-answer\">Payments and Market Infrastructure is an established platform of The Global Risks Alliance. Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/div><\/details><details><summary>How can I contribute?<\/summary><div class=\"nx-answer\">Start with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/participate\/\">the participation paths<\/a> or write to the contact form. An enquiry receives a reference; it does not create membership, a role or an assignment.<\/div><\/details><details><summary>Where are findings published?<\/summary><div class=\"nx-answer\">Reviewed outputs appear on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/publications\/\">the publications page<\/a>, and contributions to the Reports series are listed on Publish in Reports.<\/div><\/details><details><summary>Which values on this platform are real?<\/summary><div class=\"nx-answer\">Indicator names, units, sources, methods and frameworks are real. Levels in figures and canvases are examples in a design. A programme replaces them with labelled evidence it owns.<\/div><\/details><details><summary>How do I report an error?<\/summary><div class=\"nx-answer\">Use <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/trust\/corrections\/\">corrections and concerns<\/a>, or write to the integrity concern form. A correction is recorded as a new version, never a silent edit.<\/div><\/details><details><summary>Does GRA oversee payment systems?<\/summary><div class=\"nx-answer\">No. Oversight belongs to central banks and financial supervisors. GRA is a nonprofit business league for the financial services industry. It does not lend, underwrite, rate, invest, advise on or arrange transactions, introduce counterparties or take transaction-based pay, and readiness work is not approval.<\/div><\/details><details><summary>Who is the platform for?<\/summary><div class=\"nx-answer\">Payment-system researchers, financial market infrastructure professionals, settlement technologists, risk managers and policy analysts with an interest in operational resilience.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section id=\"nx-sec-nr-gateway\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-nr-gateway-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Reports<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Contribute<\/span><\/div><h2 id=\"nx-nr-gateway-h\" class=\"nx-section-title\">Contribute evidence from this page.<\/h2><p class=\"nx-lede\">Reports is the Consortium&#8217;s quarterly publication. What you know about this subject can become evidence, a case or a correction in the next edition, credited to you and published under CC BY 4.0 where it is your own work.<\/p><div class=\"nx-chips\"><span class=\"nx-chip\">Global Risks Alliance<\/span><span class=\"nx-chip\">Payments and Market Infrastructure<\/span><span class=\"nx-chip\">Strategic Systems<\/span><span class=\"nx-chip\">Scenario and Stress-Test<\/span><\/div><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/write-to-us\/contact\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Email<\/span><span class=\"nx-dest-host\">Gateway GW-GRA<\/span><\/span><span class=\"nx-dest-title\">Send it from this page<\/span><span class=\"nx-dest-why\">Evidence, a correction, a case, a method, a review, a translation or profile input. It arrives tagged with this page, so the editor who owns it receives it.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/open-science\/#nx-sec-zenodo\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Zenodo<\/span><span class=\"nx-dest-host\">Open deposit<\/span><\/span><span class=\"nx-dest-title\">Deposit it and submit to the community<\/span><span class=\"nx-dest-why\">Publish your own record on Zenodo with your ORCID iD, then submit it to the Reports community there. Curators review it; the DOI stays yours.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/nexus-reports\/contribute\/\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Reports<\/span><span class=\"nx-dest-host\">Global Risks Alliance<\/span><\/span><span class=\"nx-dest-title\">See every way to contribute<\/span><span class=\"nx-dest-why\">The contribution types, how each is reviewed, what credit you receive, the licence and what is never accepted.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><div class=\"nx-live-slot\" data-nxf-slot=\"contribute\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/payments-market-infrastructure#contribute\" data-nxf-title=\"Contribute evidence\" data-nxf-height=\"480\" hidden><\/div><p class=\"nx-note nx-mt-3\">Never send personal data, sensitive infrastructure detail or anything you have no right to share. A contribution is reviewed before use; sending it confers no authorship or editorial rights, and sponsorship never buys a finding.<\/p><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-scn-h-a-p05\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">How it works<\/span><h2 id=\"nx-scn-h-a-p05\" class=\"nx-h3 nx-mt-2\">How Payments and Market Infrastructure works.<\/h2><p class=\"nx-lede nx-mt-2\">Choose a view and press Play to follow the platform&#8217;s process, its programme year, the standards it applies and how its findings are published. The outline shows how the work is designed to run, not the status of any decision.<\/p><div class=\"nx-mt-3\"><div class=\"nx-pe\" id=\"nx-pe-a-p05\" data-nx-pe=\"nx-pe-a-p05\" data-active=\"platforms\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Payments and Market Infrastructure<\/p><h2 class=\"nx-pe-title\">How Payments and Market Infrastructure works<\/h2><p class=\"nx-pe-others\"><span aria-current=\"true\">Platforms<\/span> \u00b7 <span>Programme year<\/span> \u00b7 <span>Standards<\/span> \u00b7 <span>Reports<\/span><\/p><p class=\"nx-pe-cap\">A platform joins a field to named methods, labelled evidence and the outputs it publishes, without becoming the authority it serves.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Scope<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">Field and families<\/span><span class=\"nx-pe-k\">Start \u00b7 The platform lead<\/span><span class=\"nx-pe-sm\">The home states the field, its families and who it serves.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Topic dossiers<\/span><span class=\"nx-pe-k\">Record \u00b7 Platform authors<\/span><span class=\"nx-pe-sm\">Topics explain the subject with labelled evidence.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Evidence labels<\/span><span class=\"nx-pe-k\">Record \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Each value is labelled: observed, published statistics, estimated, modelled, scenario or unknown.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Methods<\/span><span class=\"nx-pe-k\">Step \u00b7 Method owners<\/span><span class=\"nx-pe-sm\">Methods come from the STEM Commons, each with one canonical page.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Work<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Scenarios on the <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a><\/span><span class=\"nx-pe-k\">Model \u00b7 Foundry pillar<\/span><span class=\"nx-pe-sm\">Scenarios run on the Nexus systems, labelled as scenario.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Standards that apply<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">The platform names the standards that apply. A validator report is evidence for review.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Publish<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">Editions<\/span><span class=\"nx-pe-k\">Record \u00b7 Reports<\/span><span class=\"nx-pe-sm\">Findings are published through Reports with their limits.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">Authority decides<\/span><span class=\"nx-pe-k\">Outcome \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the government, operator or licensed institution.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/\" rel=\"noopener\">Payments and Market Infrastructure home<\/a> \u00b7 Platforms \u00b7 Shared methods<\/span><span>An outline of how the work is designed to run; it does not report the status of any decision or record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" id=\"nx-tp-iance-com-payments-market-infrastructure\" data-nx-takepart=\"GRA\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-h\"><div class=\"nx-container\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">Take part<\/span><\/div><h2 id=\"nx-tp-iance-com-payments-market-infrastructure-h\" class=\"nx-h3 nx-mt-2\">Take part in Payments and Market Infrastructure.<\/h2><p class=\"nx-lede nx-mt-2\">Start from who you are. Answer an open call. Or form and lead a competence cell on the Payments and Market Infrastructure platform.<\/p><div class=\"nx-mt-3\" data-nx-tabs=\"true\" data-active=\"routes\"><div class=\"nx-tablist\" role=\"tablist\" aria-label=\"Ways to take part\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-iance-com-payments-market-infrastructure-tab-routes\" aria-controls=\"nx-tp-iance-com-payments-market-infrastructure-panel-routes\" aria-selected=\"true\" data-key=\"routes\">Routes<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-iance-com-payments-market-infrastructure-tab-calls\" aria-controls=\"nx-tp-iance-com-payments-market-infrastructure-panel-calls\" aria-selected=\"false\" data-key=\"calls\">Open calls<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-iance-com-payments-market-infrastructure-tab-cell\" aria-controls=\"nx-tp-iance-com-payments-market-infrastructure-panel-cell\" aria-selected=\"false\" data-key=\"cell\">Cells and CERTs<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-tp-iance-com-payments-market-infrastructure-tab-index\" aria-controls=\"nx-tp-iance-com-payments-market-infrastructure-panel-index\" aria-selected=\"false\" data-key=\"index\">The Index<\/button><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-iance-com-payments-market-infrastructure-panel-routes\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-tab-routes\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">National institutions<\/h3><p class=\"nx-p nx-mt-1\">Ministries, statistics offices and agencies: a national desk and chapter, and a seat in the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/national-chapters\/\">National chapters<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Sectors and professions<\/h3><p class=\"nx-p nx-mt-1\">Operators, regulators, banks, insurers and professional bodies whose work touches Payments and Market Infrastructure. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/participate\/\">Participate<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Learning<\/h3><p class=\"nx-p nx-mt-1\">Courses and practice, with a record of every course completed. Free to study. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/open-learning\/\">Open learning<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Standards<\/h3><p class=\"nx-p nx-mt-1\">Draft, review and adopt the methods and data standards with the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Route<\/span><h3 class=\"nx-h4 nx-mt-2\">Communities and research<\/h3><p class=\"nx-p nx-mt-1\">Universities, civil society and individual experts: projects, data and review. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/contact\/\">Write to the team<\/a><\/p><\/div><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-iance-com-payments-market-infrastructure-panel-calls\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-tab-calls\" hidden><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-nx-calls=\"true\"><thead><tr><th scope=\"col\">Open call<\/th><th scope=\"col\">Seeks<\/th><th scope=\"col\">Closes<\/th><\/tr><\/thead><tbody><tr data-closes=\"2026-12-15\"><td>Founding call for experts to the working groups <span class=\"nx-chip\">CALL-FOUNDING-EXPERTS<\/span><\/td><td>expert, editor, chair<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2026-12-01\"><td>Open nomination for the three independent expert seats of the Global Standards Council <span class=\"nx-chip\">CALL-GSC-IND<\/span><\/td><td>council-member<\/td><td>2026-12-01<\/td><\/tr><tr data-closes=\"2026-12-15\"><td>Nominations of interim regional members (applies only if the transitional provision is decided) <span class=\"nx-chip\">CALL-GSC-REG<\/span><\/td><td>council-member<\/td><td>2026-12-15<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Review of the wave-1 risk core outlines (C1, C2, C3, C4, C8, C10, C11) <span class=\"nx-chip\">CALL-REVIEW-WAVE1<\/span><\/td><td>contributor<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts for the core standards of risk science: uncertainty and evidence grading, scales, structured expert judgement, tolerability, extremes and compound events, catastrophic and existential risk, ethics and equity, units and measurement (NRS-C17 to NRS-C24) <span class=\"nx-chip\">CALL-CORE-SCIENCE<\/span><\/td><td>expert, editor, chair<\/td><td>2027-01-31<\/td><\/tr><tr data-closes=\"2027-03-31\"><td>Independent reviewers for the families of the hazard atlas, three from at least two regions for each family (NHS2-R19), priority families first <span class=\"nx-chip\">CALL-ATLAS-REVIEW<\/span><\/td><td>expert<\/td><td>2027-03-31<\/td><\/tr><tr data-closes=\"2026-11-30\"><td>Members of the interim Frontier Safety Review Panel and red-team reviewers (biosafety and biosecurity, AI safety and security, critical-infrastructure security); applications treated in confidence <span class=\"nx-chip\">CALL-FRONTIER-SAFETY-REVIEW<\/span><\/td><td>expert<\/td><td>2026-11-30<\/td><\/tr><tr data-closes=\"2027-01-31\"><td>Experts in ontology, metrology, software verification and conformity assessment for the requirement register, the NHS-2 machine representation, the conformance test suites and the conformity assessment scheme <span class=\"nx-chip\">CALL-CONFORMANCE-ONTOLOGY<\/span><\/td><td>expert, editor<\/td><td>2027-01-31<\/td><\/tr><\/tbody><\/table><\/div><p class=\"nx-note\">Calls past their closing date are hidden automatically. Every call, proposal and route: <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/open-areas-and-calls\/\">open areas and calls<\/a>.<\/p><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-iance-com-payments-market-infrastructure-panel-cell\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-tab-cell\" hidden><div class=\"nx-panel-split\"><ol class=\"nx-terms\"><li><h3 class=\"nx-terms-t\">Gather the cell<\/h3><p class=\"nx-terms-d\">Bring together three to seven people with complementary skills: data, field practice, policy and communication.<\/p><\/li><li><h3 class=\"nx-terms-t\">Register it<\/h3><p class=\"nx-terms-d\">Write to the team with the cell&#8217;s name, members, area and region. You receive a reference and a contact. <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/payments-market-infrastructure\/contact\/\">Write to the team<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Choose a charter<\/h3><p class=\"nx-terms-d\">Pick one focus: research and evidence, data and maps, standards review, or community preparedness.<\/p><\/li><li><h3 class=\"nx-terms-t\">Learn together<\/h3><p class=\"nx-terms-d\">Follow shared study paths at Risk Academy, with practice and a record of every course completed. <a class=\"nx-link\" href=\"https:\/\/risksacademy.com\/hazards-resilience\/\">Hazards and resilience<\/a><\/p><\/li><li><h3 class=\"nx-terms-t\">Lead and report<\/h3><p class=\"nx-terms-d\">Hold regular sessions. Publish what the cell learns through Reports. Bring findings to the working groups. <a class=\"nx-link\" href=\"https:\/\/nexustandards.com\/communities\/working-groups\/\">Working groups<\/a><\/p><\/li><\/ol><aside class=\"nx-callout nx-panel-aside\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-cert\"><h3 class=\"nx-h4\" id=\"nx-tp-iance-com-payments-market-infrastructure-cert\">Specialise as a Community Emergency Response Team (CERT)<\/h3><p class=\"nx-p\">A CERT prepares its neighbourhood for the hazards it faces. It builds a local hazard profile from this site&#8217;s map. It trains in household and street preparedness. It learns first aid and light search through recognised local providers, and it runs drills.<\/p><p class=\"nx-p\">A CERT works alongside the local emergency services and follows their direction. It never replaces them and is not an emergency service.<\/p><\/aside><\/div><\/div><div class=\"nx-panel\" role=\"tabpanel\" id=\"nx-tp-iance-com-payments-market-infrastructure-panel-index\" aria-labelledby=\"nx-tp-iance-com-payments-market-infrastructure-tab-index\" hidden><p class=\"nx-panel-lead\">What a national team or a local community can do on The Global Risks Index (<a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-s6\" data-tc=\"NXS-GRX\" data-tk=\"Nexus system\" data-td=\"Canonical data, provenance and risk\" data-ts=\"NRS-S6\">NXS-GRX<\/a>) today.<\/p><div class=\"nx-cells\" data-cols=\"4\"><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Your country&#8217;s profile<\/h3><p class=\"nx-p nx-mt-1\">Open risk profiles for 195 countries, with sources and licences on every value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Correct or reply<\/h3><p class=\"nx-p nx-mt-1\">Correct a value or reply for your country. The change is logged with its effect. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Offer data<\/h3><p class=\"nx-p nx-mt-1\">Offer a dataset. It enters through the licence gate, with your credit. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">NXS-GRX<\/span><h3 class=\"nx-h4 nx-mt-2\">Use the open data<\/h3><p class=\"nx-p nx-mt-1\">Layers, profiles and tiles through the open API. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/\">Open the Index<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-hue=\"finance\" id=\"nx-grix-iance-com-payments-market-infrastructure\" data-tone=\"alt\" data-nx-grix=\"risk:world\" aria-labelledby=\"nx-grix-iance-com-payments-market-infrastructure-h\"><div class=\"nx-container\"><div class=\"nx-section-head\"><span class=\"nx-eyebrow\">The Global Risks Index<\/span><h2 id=\"nx-grix-iance-com-payments-market-infrastructure-h\" class=\"nx-section-title\">Every figure on this page is indexed: hazards, climate, conflict, the world.<\/h2><p class=\"nx-lede\">The Index is the Consortium&#8217;s indexing system for risk data. Every indicator, hazard, series and country profile carries its <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a> identifier, its source and its licence, so what this page shows can be traced, corrected and reused.<\/p><\/div><div class=\"nx-grix\"><ol class=\"nx-grix-rail\" aria-label=\"The data pipeline\"><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">01 \u00b7 Sources<\/span><span class=\"nx-grix-t\">205 registered sources<\/span><span class=\"nx-grix-m\">Every value keeps its source and licence; withheld values are counted.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/data\/\">Data and licences<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">02 \u00b7 Nexus Standards<\/span><span class=\"nx-grix-t\">NIS-1 and NHS-1<\/span><span class=\"nx-grix-m\">451 indicators, 905 hazards; every record carries a <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/uni\/\" data-tc=\"UNI\" data-tk=\"Nexus Standards\" data-td=\"The universal identifier of every Nexus artifact (NS-1)\">UNI<\/a>.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/nexustandards.com\/\">Nexus Standards<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">03 \u00b7 The Index<\/span><span class=\"nx-grix-t\">54 series, 195 country profiles<\/span><span class=\"nx-grix-m\">Computed on the standards; no value is published until an edition is released.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/\">The Global Risks Index<\/a><\/li><li class=\"nx-grix-node\"><span class=\"nx-grix-dot\" aria-hidden=\"true\"><\/span><span class=\"nx-grix-k\">04 \u00b7 This page<\/span><span class=\"nx-grix-t\">Payments and Market Infrastructure<\/span><span class=\"nx-grix-m\">Maps, figures and feeds read the Index in the context of hazards, climate, conflict.<\/span><a class=\"nx-link nx-grix-go\" href=\"https:\/\/risksindex.com\/developers\/\">Public API<\/a><\/li><\/ol><div class=\"nx-grix-kpis\"><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Sources<\/span><span class=\"nx-metric\" data-count=\"true\">205<\/span><span class=\"nx-metric-note\">registered, each with its licence<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Indicators<\/span><span class=\"nx-metric\" data-count=\"true\">451<\/span><span class=\"nx-metric-note\">NIS-1, 106 composites, 20 domain indices<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Hazards<\/span><span class=\"nx-metric\" data-count=\"true\">905<\/span><span class=\"nx-metric-note\">NHS-1, crosswalked to UNDRR-ISC HIPs<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Series<\/span><span class=\"nx-metric\" data-count=\"true\">54<\/span><span class=\"nx-metric-note\">global, sector, strategic, technology, thematic<\/span><\/div><div class=\"nx-grix-kpi\"><span class=\"nx-eyebrow\">Country profiles<\/span><span class=\"nx-metric\" data-count=\"true\">195<\/span><span class=\"nx-metric-note\">one site per country<\/span><\/div><\/div><div class=\"nx-grix-grid\"><div class=\"nx-grix-col\"><h3 class=\"nx-grix-h\">Series in this context <span class=\"nx-grix-hm\">hazards, climate, conflict<\/span><\/h3><ol class=\"nx-grix-ledger\"><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GLB<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/global\/\">Global Systems<\/a><span class=\"nx-grix-row-d\">The state of interdependent <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 global-risk\" data-tk=\"Nexus risk vocabulary\" data-td=\"Nexus risk class: a risk whose hazard, consequences or causal chain crosses national borders and acts at continental or planetary scale, so that no single country can assess or manage it alone.\" data-ts=\"NRS-C1\" data-tr=\"draft\">global risk<\/a>: the twenty domain indices aggregated to the world, the five core <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a> (water, energy, food, health, biodiversity) and their couplings, the global tail register and the gap\u2026<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000002<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">TH<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/th-04\/\">Disaster Risk Intelligence (DRI)<\/a><span class=\"nx-grix-row-d\">Signals, observations, event streams, geospatial layers and scenario packs turned into structured risk intelligence for preparedness and planning.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000111<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Climate \u00b7 Conflict<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-10\/\">Global Cities<\/a><span class=\"nx-grix-row-d\">Urban exposure, heat, flooding, informal settlement, service dependency and the economic weight of cities at risk.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000068<\/span><span class=\"nx-grix-dom\">Hazards \u00b7 Infrastructure \u00b7 Climate<\/span><\/span><\/li><li class=\"nx-grix-row\"><span class=\"nx-grix-fam\">GS<\/span><span class=\"nx-grix-row-b\"><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/series\/gs-07\/\">Global Climate<\/a><span class=\"nx-grix-row-d\">Chronic and acute physical climate hazard, transition exposure, adaptation gaps and scenario pathways to 2030, 2050 and 2100.<\/span><\/span><span class=\"nx-grix-row-r\"><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000065<\/span><span class=\"nx-grix-dom\">Climate \u00b7 Hazards \u00b7 Finance<\/span><\/span><\/li><\/ol><p class=\"nx-grix-foot\" data-nav=\"inline\"><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/series\/\">All 54 series<\/a> \u00b7 <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/indices\/\">The 20 domain indices<\/a><\/p><\/div><div class=\"nx-grix-col nx-grix-side\"><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Country profiles <span class=\"nx-grix-hm\">the world<\/span><\/h3><div class=\"nx-grix-chips\"><a class=\"nx-grix-chip\" href=\"https:\/\/risksindex.com\/countries\/\">All 195 country profiles<\/a><\/div><p class=\"nx-grix-foot\">Every country profile carries the source and licence of each value. <a class=\"nx-link\" href=\"https:\/\/risksindex.com\/contribute\/\">Correct a value or reply<\/a><\/p><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Hazard domains <span class=\"nx-grix-hm\">NHS-1<\/span><\/h3><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/atmo\/\">Atmosphere and weather<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000135<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/geo\/\">Solid Earth<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000138<\/span><\/li><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/hazards\/sys\/\">Systemic and compound events<\/a><span class=\"nx-grix-uni\" title=\"Nexus Universal Identifier (NS-1)\">NXS-GRX-AR-000148<\/span><\/li><\/ul><\/div><div class=\"nx-grix-panel\"><h3 class=\"nx-grix-h\">Geodata and API <span class=\"nx-grix-hm\">open<\/span><\/h3><p class=\"nx-grix-m\">Open layers on an equal-area hexagon grid, shown as densities per km\u00b2 or as symbols: <span class=\"nx-grix-tag\">People \u00b7 GHSL 2025<\/span><span class=\"nx-grix-tag\">People \u00b7 WorldPop 2025<\/span><span class=\"nx-grix-tag\">Built-up area<\/span><span class=\"nx-grix-tag\">Ports<\/span><span class=\"nx-grix-tag\">Airports<\/span><span class=\"nx-grix-tag\">Roads<\/span><span class=\"nx-grix-tag\">Railways<\/span><span class=\"nx-grix-tag\">Rivers and lake centrelines<\/span><\/p><ul class=\"nx-grix-list\"><li><a class=\"nx-grix-row-t\" href=\"https:\/\/risksindex.com\/observatory\/\">Risk Observatory map<\/a><span class=\"nx-grix-dom\">open<\/span><\/li><\/ul><p class=\"nx-grix-m\"><code class=\"nx-grix-code\">\/api\/v1\/public\/grix<\/code> \u00b7 <code class=\"nx-grix-code\">https:\/\/nexustandards.com\/uni\/{uni}<\/code><br><a class=\"nx-link\" href=\"https:\/\/risksindex.com\/developers\/\">Developers<\/a> \u00b7 Data \u00b7 Made with Natural Earth, Public domain; GHSL and WorldPop, CC BY 4.0<\/p><\/div><\/div><\/div><p class=\"nx-grix-note\">Snapshot of the Index registries pinned 2026-10-23 \u00b7 22c6eed. Research and risk-analytics information: not a rating, an official classification, a warning, a benchmark or advice.<\/p><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-lriskalliance-com-payments-market-infrastructure-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-lriskalliance-com-payments-market-infrastructure-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lriskalliance-com-payments-market-infrastructure-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> The cycle<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/payments-fintech\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Payments, market infrastructure and fintech<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><nav class=\"nx-deeper nx-hubs\" aria-labelledby=\"nx-deeper-lriskalliance-com-payments-market-infrastructure-hubs-h\" data-nx-hubs=\"6\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lriskalliance-com-payments-market-infrastructure-hubs-h\">The same subject across the Consortium<\/h2><ul><li><a href=\"https:\/\/therisk.global\/digital-public-infrastructure\/\" data-ext><span class=\"nx-deeper-k\">Science:<\/span> Digital Public Infrastructure<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/open-infrastructure\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Open Infrastructure and Developers<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/technology-digital\/digital-public-infrastructure\/\" data-ext><span class=\"nx-deeper-k\">Learn:<\/span> Digital public infrastructure and digital identity<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksindex.com\/series\/sr-10\/\" data-ext><span class=\"nx-deeper-k\">Index:<\/span> Digital public infrastructure series<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/nexus-reports\/areas\/digital-public-infrastructure\/\" data-ext><span class=\"nx-deeper-k\">Reports:<\/span> Digital Public Infrastructure in Reports<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/therisk.global\/fields\/dpi\/\" data-ext><span class=\"nx-deeper-k\">Field:<\/span> Digital public infrastructure<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-18\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Payments and Market Infrastructure<\/span><h2 id=\"nx-close-18\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. 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