Typically, during a liquidity crisis, the interbank lending market stalls. AxiTrader is an ECN Forex broker operating on the interbank network. Trading in RusHydro shares at the Moscow Interbank Currency Exchange was suspended for two days. Interbank lending dried-up initially and then loans to non-financial firms were affected. Banks only require enough reserves to facilitate interbank settlement processes. In a well-functioning interbank market only solvent banks can borrow. Financial institutions are linked via interbank networks. It also a member of the Cirrus, Interac, Mastercard, and The Exchange interbank networks. Most ATMs are connected to the national LankaPay interbank network. It joined BancNet in 2006, being one of three banks that joined the interbank network. It is indispensable to the functioning of the interbank, money, and capital markets. All ATMs are connected to the national Girocard interbank network. The acronym SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication. CIPS is sometimes referred to as the China Interbank Payment System. In 1966, several bankcard associations joined together to form the Interbank Card Association (ICA).