The central bank emphasized that all interbank digital transactions are processed on a real-time basis, with the delay applying only to branchless banking accounts as a security safeguard. While funds are received instantly in branchless banking accounts, cash withdrawals and other usage can only be made after a two-hour window. Branchless banking accounts, often opened through simplified processes, were flagged by regulators as carrying higher risks of misuse in fraudulent transactions. The regulator reassured that it remains committed to strengthening Pakistan’s digital financial ecosystem while balancing innovation with consumer protection. The SBP’s move reflects the growing focus on securing financial transactions in a digital-first economy.