Abstract: A network-agnostic processor (NAP) is configured to receive, from a first account-holding institution (AHI), an alias request to initiate a transfer. The NAP queries directory servers to retrieve one or more account numbers associated with the alias, transmits a response to the first AHI including the one or more account numbers, receives a P2P transfer request specifying one of the account numbers, and transmits an approval to an originating institution. The approval specifies one or more payment networks capable of clearing and settling funds between an initiating account and the specified account number. The originating institution is one of the first AHI or a second AHI associated with the specified account number. The NAP causes initiation of clearing and settlement of a funds transfer between the initiating account and the specified account number via a designated settlement system network (DSSN) that is one of the specified payment networks.