 Message flows, business operations, clearing, and settlement process on CBM-NET Phase 2 are similar to the process of direct credit. 2) Functions  The function is same as direct credit as above. 3) Additional Requirement  To apply CBM-NET RRP to fast payments, some of the value added-services of smart addressing, mobile access channels, and payment requests may be implemented by MPU or other PSPs and link these external systems to the CBSs on FIs. This scheme, which divides the roles with CBM-NET and MPU, allows RRP for future function enhancement. If CBM could not determine and present the specification of those external systems before the beginning of external design phase, those external systems should follow the specification defined in CBM-NET Phase 2.  To achieve continuous service availability and rapid funds availability 24/7, there are difficulties to be discussed and solved by CBM, especially how to deal with the operational framework to monitor the activities by CBM personnel for non-business hours and holidays. Table 3-13 Characteristic of RRP Source: Preparatory Survey Team 50