The Australian Payments Clearing Association will undertake at least three significant tenders over coming months to source the skills and services needed to make its proposed clearing utility a reality.The first is to develop a "program office" that will "develop a comprehensive program plan."APCA's Real-Time Payments Committee said it had "determined that the Program Director and Program Office should be provided independently from ADIs on an outsourced basis.""The intention is to hire a highly professional and skilled organisation to supply the Program Director and Program Office and to take responsibility for the delivery of the Program." A second and potentially the most lucrative tender will be for the "clearing switch and network tender project."A third tender will be held for "simpler addressing" that will develop additional identifiers for bank accounts (which may include email addresses, Facebook accounts and mobile phone numbers). Founding members would need to fund the establishment of the clearing utility structure, develop its rules, develop its outsource service-level requirements and conduct a fair and rigorous operator selection process.  APCA said it will "provide sufficient seed funding through its own membership structure to enable the establishment of the clearing utility governance structure."It said these funds would be "contributed on a mutual, non-profit basis by APCA members."The clearing utility, once established, would fund its own further development later on out of its own revenues.