Derived estimate — not a bank fact. Derived estimate - not a published figure. Kosovo uses the euro unilaterally and has no national RTGS of its own; euro settlement runs through the Eurosystem's T2, which publishes no Kosovo-specific figure. Estimated from the real RTGS throughput of comparable sourced countries: the frontier peer group (Serbia, Ukraine and Turkey) settles a median of about US$159,000 per capita per year; applied to Kosovo's population and converted at € ~0.92/US$. This puts Kosovo on the same wholesale-RTGS scale as the sourced tiles. A modelled input, not a recorded total.