Around the world, about 50 countries have put in a real-time payment settlement system, a new one for low-value payments, and there are other payment rails available to all of these participants. There could be a batch system, a high-value payment system, as well as the low-value settlement system.
Fintechs will have different products on different rails with different prices. Consumers and businesses will then access these different sophisticated products. It's really about bringing in another opportunity for building payment products on top of e-transfer and real-time rail.