The right account, the wrong payment: Canada’s real-time rail challenge

Canada’s instant payments scheme aims to deliver fast, safe and always-on money flows but as Rowan Akin-Smith explains, it must also enhance security if it is to win the trust of users

October 29, 2026

With RTR, payments will be exchanged, cleared and settled in real time, around the clock; image credit: Cristina Bustiuc/shutterstock

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