It's a great question.
We saw that other countries launched their instant payment rails without direct attention to the types of new and different frauds that can accompany real-time payments. We have seen the types of solutions they've put in place, and then we worked with our members. I think there were a couple of dozen different things that could be done at the national level. They ended up picking these four and said, “Well, let's make sure that goes out on day one as part of the solution.”
It is available for all of the incumbent banks using e-transfer or all of the new participants that will use either e-transfer or RTR direct. It is available to all. Whether you've had 20 years of history in banking or you're a two-year-old fintech, it is available to you, with a network level of protection and insight.