Really this is so:
Have an account, there are 2 types of money: blocked and not blocked.
Locked the money is the money that sushestvujut transaction. Each Bank behaves in its system of accounts, each account being percent etc...
From approximately 0:00 to 4:00, handled all the (real lie, not all) of the blocked transaction "Packed" into a single transaction to a specific Bank. (>>>Mine, or at least it should be<<<) All transactions are made through a single main point (the Bank). There are different mechanisms for money laundering (by the way, these same mechanisms of money laundering are in the banks themselves).
Also don't forget, one transakcija between bankai, is worth something and if you're between banks to "throw" money at each transaction, so it will be not only dur-house but also expensive to use banks + failures, etc... Between all of this, the Bank accepted the transactions from other banks.
After all these machinations is any kind of information leak in the "archive" to the banking system in the morning was "fresh". :-)
The number of transactions is Very large, so it is also necessary to consider that love the handling of this just to go on a single processor :-).
Next night you the Bank recalculates the different percentage and throws for your transactions with any beards (its a LOT believe me!).
To tell you would have long time, it's time to sleep.
By the way, were once there were firms of translation deneg, where he used only one method of shipment transaction where it raised a lot of money in the same camp and gave this money to another country.