I think so. It's about account-based payments. It's an account to an account. There's a source of good funds on one end and a destination of good funds on another end in order to ensure that it's a direct, account-to-account payment. That's what we're talking about.
Debit rail, EFT rail and e-transfer as a product enable this account-to-account payment. When RTR, or real-time rail, comes, it will be another capability for fintechs to use to move directly from one account to another account.