The First Galactic Bank’s terminals now read straight from the colonial ledger. Your balance, your transactions, your holdings and the exchange’s prices are the same figures the rest of the colony sees. What your account shows is where your money actually is.
Citizens can now pay one another directly. A transfer moves the whole amount, at once, or it does not happen at all. The Bank does not permit a payment to arrive halfway, a policy it describes as “the minimum one should expect of a bank.”