In this system customers holding any types of account (current, savings, call deposit) may transfer funds (in amounts in excess of IRR 150 million) to own or other bank accounts on real time basis, with transactions being settled as soon as processed. SATNA is also considered an encompassing replacement for inter-bank certified drafts. Settlement of inter-bank exchanges in this system is processed on real time basis and payments are final and irrevocable, however, on the condition that the originating bank settlement account is sufficiently funded for clearing. Otherwise processing of the transaction shall remain in the queue up to end of the same day’s working hours pending nourishment of the respective settlement account. Failure in funding of the settlement account will cause cancellation and reversal of the payment request. In fact this system is set up to address two basic banking applications including inter-bank settlement and high value and commercial payment transactions.