I think your two points will, in this case, be a question for the financial institutions and fintechs who jump onboard here. RTR won't be immediately consumer-visible, but if FinTech A starts offering some consumer-facing elements ala UPI/Pix using their newfound access to RTR to bypass the traditional banking system and settle directly, then we get there. I'd look at this as not a consumer product, but a scaffold that allows consumer products to be built ontop of a new system that should, hopefully, allow an end-run around the stuffy traditional infra that is Canadian banking.