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The document is a comprehensive user manual for the Albanian Interbank Payment System (AIPS) operated by the Bank of Albania. It outlines the system's main features, components, and functionalities, including account and transaction information management, settlement queue control, SWIFT message handling, day operations procedures, reporting mechanisms, security protocols, fees and penalties, and participation requirements. The manual serves as a guide for participants to effectively utilize AIPS for real-time gross settlement of interbank transactions.

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