CustomerReserveFunds

2 posts tagged “CustomerReserveFunds”

Payment Clearing Basics2026-09-06

Who Can Hold an Account at the Central Bank? Decoding the Account Hierarchy and Settlement Infrastructure

Starting from central bank deposit account regulations and balance sheet mechanics, this article examines reserve and special accounts, explaining why banks, payment firms, and FMIs access central bank money.

Payment Clearing Basics2026-08-25

Is Money in Alipay the Same as Money in a Bank Account ? A Clear Explanation of “Customer Reserve Funds”

Starting from the difference between 1,000 yuan in an Alipay balance and 1,000 yuan in a bank deposit, this article explains customer reserve funds, central-bank reserves, centralized custody, and the information and fund flows behind top-ups, payments, and withdrawals.