This is cool; I'd love to hear more about how the actual transfer of money works e.g clearing, r-transactions and so on if you're looking for a follow up blog ;)
Since you mention r-transactions (which is specific to SEPA): the SEPA rulebooks are surprisingly easy to read (e.g. for SCT[1]). For the US, NACHA maybe publishes similar specs? Neither are Swift though, for that perhaps https://www.swift.com/standards is what you're looking for.
How the actual settlement happens (e.g. RTGS/Target 2) is a bit more involved, and you won't find that in these rulebooks.
How the actual settlement happens (e.g. RTGS/Target 2) is a bit more involved, and you won't find that in these rulebooks.
[1] https://www.europeanpaymentscouncil.eu/what-we-do/epc-paymen...