The State Bank of Pakistan (SBP) has clarified that the 2 hours cooling period does not affect digital funds transfer, which remains instant. According to SBP, all digital funds transfer transactions are processed on a real-time basis, and beneficiaries receive the money in their accounts almost instantly. The central bank explained that the 2 hours cooling period applies only to branchless banking wallets and accounts. While funds are credited instantly in these wallets, cash-outs, online purchases, or mobile top-ups against such funds can only be made after the cooling period. The 2 hours cooling period gives customers adequate time to report any unauthorized or suspicious activity to their banks.