InstaPay P2P · IPMN Transfer Architecture

CBE Instant Payment Network: alias resolution, PIN authorization, clearing & multilateral settlement

Payer Ahmed Hassan · CIB Payee Karim Mostafa · NBE Amount EGP 2,500.00

Customer App · Simulated

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9:41
Good Evening
Ahmed Hassan
3
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CIB
ahmed.h@instapayCHECKING XXXX4821
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CIB
Sending Accountahmed.h@instapayCHECKING
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InstaPay Address
2,500.00EGP
Resolving alias…
Confirm Transfer
Transfer To
NBE
Karim M*** S***karim.m@instapay · National Bank of Egypt
✓ Verified via IPN directory
FromCIB XXXX4821
AmountEGP 2,500.00
FeesEGP 2.50
TotalEGP 2,502.50
Enter IPN PIN
Enter your 6-digit IPN PIN to send EGP 2,500.00 to Karim M*** S***
1234567890⌫
EGP 2,500.00
to Karim M*** S*** · NBE
Processing…
    Secured by the CBE Instant Payment Network
    Transfer Successful
    EGP 2,500.00
    sent to Karim M*** S*** · NBE
    ReferenceIPN-TX-20261110-00912377
    Date10 Nov 2026 · 19:41:10
    FeesEGP 2.50
    FromCIB XXXX4821
    New balanceEGP 45,747.50
    Funds are final for Karim now. CIB and NBE settle the interbank amount at the next CBE net-settlement cycle.

    Sequence Diagram

    click any row to jump
    Request Response / async reply Message in flight

    Payload Inspector

    step 1
    STEP 01

    POST
    
      
    Architecture notes
    
      
      
    
      
  
      

  
  
      
    
      
      
      
      
      
      Step 1 / 11
      
      Space play · ←→ step · R restart
      
    
      
    
      
    
      Educational simulation. Endpoints, identifiers and payloads are illustrative, modelled on ISO 20022 conventions. They are not official CBE / IPN interface specifications.