HKD funding routes

FPS 2 groups

FPS: FPS (Local) Non-financial institutions · Customer: Anywhere except US Settlement: REALTIME Platform: Nium One Sender market: Hong Kong

FPS: FPS (Local + Wire) Non-financial institutions · Customer: HK Settlement: REALTIME Platform: Nium One Sender market: Hong Kong

CHATS 2 groups

CHATS: CHATS (Local + Wire) Non-financial institutions · Customer: HK Settlement: T0 Platform: Nium One Sender market: Hong Kong

CHATS: CHATS (Local) Non-financial institutions · Customer: Anywhere except US Settlement: T0 Platform: Nium One Sender market: Hong Kong

SWIFT 2 groups

SWIFT: SWIFT (Wire) Non-financial institutions · Customer: Anywhere except US Settlement: T1 Platform: Nium One Sender market: All markets

SWIFT: SWIFT (Local + Wire) Non-financial institutions · Customer: Multiple locations Settlement: VARIES BY VARIANT Platform: Nium One Sender market: Multiple sender markets