Shameless plug... Having worked on such systems, I recently wrote an article explaining real-time payment systems, some of which use real-time gross settlement:

Shameless plug... Having worked on such systems, I recently wrote an article explaining real-time payment systems, some of which use real-time gross settlement: https://luizlaydner.substack.com/p/how-do-instant-payment-systems-work https://luizlaydner.substack.com/p/how-do-instant-payment-sy...