Numbers on a computer paired with account balancing/settlement protocols, one example being: https://en.wikipedia.org/wiki/Nostro_and_vostro_accounts https://en

Numbers on a computer paired with account balancing/settlement protocols, one example being: https://en.wikipedia.org/wiki/Nostro_and_vostro_accounts https://en.wikipedia.org/wiki/Nostro_and_vostro_accounts When people talk about the manual inefficiencies of finance, it's referring to all this happening in the backend behind the abstraction of quick/automated digital payments in fiat currency. It gets especially complex in international finance, hence SWIFT etc.