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> 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

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It will _eventually_ be exposed to consumers through their banks, but it is financial infrastructure for now.
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This mostly is referencing ETF tranfers that are relevant to consumers - e.g. bill payments and employer pay deposits that currently take several days.
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In the same way that PAD is for consumers as well.
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