Real-time Rail is for financial institutions to settle transactions not for direct consumer use.

> This new national payment system will transform day-to-day payments for Canadian businesses and consumers by enabling instant speed and settlement.

It does sound like it's for consumers as well

	▲	mportela 5 hours ago \| parent \| next [-]
		It will _eventually_ be exposed to consumers through their banks, but it is financial infrastructure for now.
	▲	Marsymars 5 hours ago \| parent \| prev \| next [-]
		This mostly is referencing ETF tranfers that are relevant to consumers - e.g. bill payments and employer pay deposits that currently take several days.
	▲	OJFord 5 hours ago \| parent \| prev [-]
		In the same way that PAD is for consumers as well.