> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/idn/faq.md).
# 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.
**Q: What is money streaming?**
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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.
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`Netflow Rate:` The rate of change of an account's DRS stablecoin token balance per second.
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`Sender:` The account initiating the stream, specifying a receiver and flow rate.
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`Receiver:` The account on the receiving end of a stream.
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`CRUD Timestamp:` The timestamp when a stream is created, updated, or deleted.
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`Real-Time Balance:` The change in the account's DRS stablecoin token since the last CRUD action.
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`Static Balance:` The DRS stablecoin token at the last CRUD timestamp.
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`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
[Origins of the Federal Reserve Book-Entry System](https://www.newyorkfed.org/medialibrary/media/research/epr/04v10n3/0412garbpdf.pdf)