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… Anne Butler: And they have very robust risk controls around credit risk and liquidity risk management. And so that … real-time payments that are pre-funded, and so the credit risk is much lower in the system relative to other … of membership in Payments Canada include broader credit union membership and payment service provider membership …

… (e.g. settlement risk, operational risk, liquidity risk, credit risk, contagion, etc.). This piece provides a summary … relate to the following: What types of risk (e.g. credit, liquidity, settlement, systemic, etc.) FMIs should … that de-tiering avoids concentration risk, avoids excess credit and/or liquidity risk between direct and indirect …

… by law to be members of the CPA. Trust and loan companies, credit union centrals, and other deposit-taking institutions have …

… quite frankly. So I think it's absolutely critical. As a credit union, Meridian supports enhanced access and inclusivity to … the same payment opportunities, whether it be from banks, credit unions, or fintechs within that ecosystem. So as Cyri …