1. What should a user do to receive IBAN account in Dan's bank? Is a user country important?
2. Which system should be responsible for account management – IBAN generation, keeping balance, operation history?
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4. Should Simple trade mechanism be available for Euro?
5. Is it possible, conversion for other bank than Dan bank to Fiat (Euro)? (A user has fiat and wants cryptocurrency). Should a user be registered?
**Notes:**
1. CBS - central banking system
**I. Sending cryptocurrency and receiving EURO**
**UC 1**
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@@ -15,26 +19,25 @@ A Exchange user sends cryptocurrency and wants to receive Euro.
2. A memo description (with IBAN account) is encrypted.
3. A transaction is processed with a standard path in the Exchange:
a. The transaction scanner in the source blockchain recognizes an operation and takes an appropriate action (as now) – sends it to SEPA-plugin
b. SEPA-plugin or Something between SEPA-plugin and DIS recognizes whether it is an internal transfer (to IBAN account in the Dan’s bank) or external transfer (to IBAN account not in the Dan’s bank):
i. If it is internal transfer, then it is processed in SEPA-plugin or Something between SEPA-plugin and DIS
b. SEPA-plugin or CBS recognizes whether it is an internal transfer (to IBAN account in the Dan’s bank) or external transfer (to IBAN account not in the Dan’s bank):
i. If it is internal transfer, then it is processed in SEPA-plugin or CBS
ii. If it is external transfer, then it is sent to DIS - see [diagram flow](use cases/uc-2)
*Remarks:*
1. Everyone can send money to IBAN account and user doesn't need any access to this account.
2. SEPA doesn’t work all the time. SEPA works only in working days during defined working hours. SEPA-plugin or Something between SEPA-plugin and DIS is responsible for queueing transactions.
2. SEPA doesn’t work all the time. SEPA works only in working days during defined working hours. SEPA-plugin or CBS is responsible for queueing transactions.
**To be discussed during next meeting:**
**II. Sending EURO and receiving cryptocurrency**
**UC 2**
A Exchange user sends Euro from his IBAN account in Dan’s bank and wants to receive cryptocurrency
1. A transaction is processed with a standard path in the Exchange
2. A transaction is not processed by DIS.
3. Dan's bank accounting subsystem (SEPA-plugin or Something between it and DIS) stores information about reducing of user account balance.
3. Dan's bank accounting subsystem (SEPA-plugin or CBS) stores information about reducing of user account balance.
**UC 3**
A Exchange user sends Euro from his account not in Dan's bank and wants to receive cryptocurrency.
1. DIS sends a transaction to SEPA-plugin or Something between SEPA-plugin – see [diagram flow](use cases/uc-4)
1. DIS sends a transaction to SEPA-plugin or CBS – see [diagram flow](use cases/uc-4)
To be discussed:
1. What is responsible for keeping information about balance account, info whether account is open?
