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Sudan's civil war has fragmented not only the country but also its financial system. A new paper published by the Sudan Transparency and Policy Tracker (STPT), written by Omer Sidiahmend, a researcher in Sudanese political economy, independent banking, finance, and funding, argues that El Mustaqbal aka Future Bank--established in Rapid Support Forces (RSF)-controlled territory--is not a bank in any recognised regulatory sense but an unlicensed money-transfer platform.