That's a very good question. I think the question is directed toward our Interac e-Transfer product, which has several different options. Auto-deposit is an immediate, real-time transaction. The one that you described is called our question and answer type of transaction. That's where the recipient would like a security question answered to deposit the e-transfer transaction. In that case, since a person may not be on their email on a daily basis, they are given 30 days to accept the transfer. What happens, however, for the person sending the transaction is that the money is taken from their account. It's a good-funds model, so the funds are available. It's held by the sending financial institution in a suspense account, and then, once the security question is answered, the funds are released. At all times they are secure.
On April 8th, 2019. See this statement in context.