ISX Charts, page-126

ADI grant for Deposit taking facilities (like Xinja) and purchased Payment facilities (like Paypal).... 30-50c more

RBA ESA - Exchange Settlement Account accounts submitted..... 20c more

Once ADI grant is done, ISX can claim itself a bank! Quoted from RBA website as below:

The Reserve Bank has amended its Exchange Settlement Account (ESA) policy to remove the requirement that all banks must have an ESA, whether or not they use an agent to settle their real-time gross settlement (RTGS) transactions. The change follows amendments to the Banking Act 1959 that will allow all authorised deposit-taking institutions (ADIs) to use the term ‘bank’.

$1.5 likely

Blue sky ahead!