# FAQ

**Q: What is the International Deposits Network?** \
A: The International Deposits Network (IDN) is XFT's RTGS payment system for tokenized commercial bank deposits. It is used to put onchain tokenized products into traditional offchain bank accounts. Send cross-border real-time payments using IDN blockchain deposit accounts.

**Q: Why stablecoins?** \
A: Instant zero-fee 24/7/365 global programmable internet payments

**Q: Why XFT stablecoins?** \
A: Backed 1:1 w/ tokenized cash, cash equivalents for in-kind redemptions. Native U.S. Treasury Marketable Securities issuance. Deep direct, indirect liquidity corridors. Federal Reserve Discount Window access.

<figure><img src="/files/u6UO3JmDMVNDfzbQ5Xvp" alt=""><figcaption></figcaption></figure>

<mark style="color:$danger;">**Q: What is money streaming?**</mark>
\
A: Money Streaming is a continuous transfer of tokens from a sender to a receiver at a defined per-second rate, resulting in a "stream". This stream is perpetual and persists until it's canceled by either the sender or the receiver, or until the sender's token balance is depleted.

Consider Alice wants to pay Bob a salary of 1200 ALLISONUSD per year using Money Streaming. She sets up a stream with a flow rate of 0.038 ALLISONUSD per second. Bob's balance starts increasing every second, and Alice's decreases, ensuring a steady transfer of salary.

DEFINITIONS

Seigniorage is the *positive return, or carry, on issued notes and coins* (money in circulation). Demurrage, the opposite, is the cost of holding currency.

*Seigniorage* is the profit made by a government from the difference between the face value of currency and the cost to produce it.

The central bank earns interest on the money it lends, or receives a return on the assets it acquires – and this is called *seigniorage* income.

Continuous Linked Settlement (CLS)

`Flow Rate:` The rate at which the sender's balance decreases and the receiver's increases per second.
\
`Netflow Rate:` The rate of change of an account's DRS stablecoin token balance per second.
\
`Sender:` The account initiating the stream, specifying a receiver and flow rate.
\
`Receiver:` The account on the receiving end of a stream.
\
`CRUD Timestamp:` The timestamp when a stream is created, updated, or deleted.
\
`Real-Time Balance:` The change in the account's DRS stablecoin token since the last CRUD action.
\
`Static Balance:` The DRS stablecoin token at the last CRUD timestamp.
\
`Current Balance:` The sum of Static Balance and Streaming Real-Time Balance.

> NOTE: Flow rates are per second but can be represented in different time units for convenience. For example, "100 ROWEUSD/mo." is approximately "0.0039 UGIUSD/sec."

RESOURCES

<https://www.congress.gov/crs-product/R46850>

<https://www.imf.org/-/media/files/publications/ftn063/2025/english/ftnea2025011.pdf>

[Origins of the Federal Reserve Book-Entry System](https://www.newyorkfed.org/medialibrary/media/research/epr/04v10n3/0412garbpdf.pdf)

<https://www.chicagofed.org/publications/chicago-fed-letter/2018/395>

<https://www.newyorkfed.org/medialibrary/microsites/prc/files/2021/prc-fedwire-expanded-hours-considerations-white-paper>

<https://www.fincen.gov/system/files/shared/Appendix_D.pdf>

<https://www.citigroup.com/rcs/citigpa/storage/public/icpublic/The-Regulated-Liability-Network-Whitepaper.pdf>

<https://m10.io/media/pages/resources/whitepapers/rln/15d5120f0d-1646229532/implementingaregulated-liabilities-network.pdf>

<https://www.federalreserve.gov/federal-reserve-banks/fam/chapter-5-federal-reserve-notes.htm>

<https://www.rlnuspoc.org/home>


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