One hundred per cent.
With regard to the specific price offering, as I mentioned in the letter, it's not public. We don't know exactly who's being offered what. We operate with some small businesses in the country, and they pay different fees to make these transfers. They say it's volume-priced or volume-based. Just at the core of it being volume-based, it disadvantages small and medium-sized businesses in a sense.
In the jurisdictions I mentioned, the U.K., Sweden, India and Brazil, to name a few, what people get—to separate people from consumers—all the transfers are free, and people can move money between their accounts at no cost. Then, for small and medium-sized businesses, depending on certain thresholds, it can be free or even much lower than what small businesses get offered here.
Then, with regard to interfacing with other modern features that are more or less becoming required today, not everybody has done the bridge to blockchain. A lot of work is being done, especially since today is the age of adoption in some of these countries. Just being able to connect multiple different systems.... In this case, I'll mention the UPI, which is India. They even made it easier to bridge paying for telecom services within these networks, leveraging that in order to move funds as well.
These are a lot of features and capabilities that are possible and were done—this is public information—in under three years in all of these cases. We don't have access to such features today in Canada.