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Federal Functions: Promoting Safe and Efficient Payment Systems Video RYAN. Hi, Im Ryan. SUSAN. And Im Susan. We work for the Federal Reserve, the central bank of the United States. One of the five key functions of the Federal Reserve is fostering the safety and efficiency of our nations payment and settlement systems. Whether youre paying your babysitter in cash, writing a check to the plumber, swiping your debit card at the grocery store, or getting your paycheck by direct deposit, youre participating in a payment system. RYAN. Payment systems facilitate financial transactions and purchases of goods and services by individuals and institutions, consumers and businesses, and investors and securities issuers. The Fed plays an important role in maintaining the integrity of U.S. payment systems and keeping cash, check, and electronic transactions moving reliably and securely throughout our economy. For example, the Federal Reserve Board in Washington, D.C. issues paper currency, wh