Uruguay — the annual base shown is a derived estimate, not yet a published bank total (see basis). 3.4M citizens, 150,000 businesses, $U8.1T modelled. The 80/16/3/1 split is constitutional.
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Derived estimate — not a bank fact. Banco Central del Uruguay, Reporte Informativo del Sistema de Pagos Minorista (H2 2025): interbank transfers totalled UYU 4,027,000 million (~US$98 billion) across 52 million operations in the second half of 2025. Full year modelled at ~UYU 8.05 trillion (semester x2). Interbank-transfer aperture; the peso trades near 41/US$. Derived - annualized from a published semester figure, not a full-year bank total.