About
SIPAP (Sistema de Pagos del Paraguay), rebranded SIP in April 2026, is Paraguay's national payment system, run by the Banco Central del Paraguay and launched on 23 November 2013. It has four parts: LBTR for high-value real-time settlement, an ACH, the DEPO securities depository and SPI, the instant system that moves money 24/7 through banks' and financial institutions' apps. SPI carried 97.2% of operations as of November 2025, across 3,804,105 accounts, and in March 2026 the BCP raised the instant-transfer limit to ₲10,000,000.
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