If you overpay, you'll need to contact your friend or whoever and ask them to send it back. If someone tricks you into sending them money, that's just fraud sa

If you overpay, you'll need to contact your friend or whoever and ask them to send it back. If someone tricks you into sending them money, that's just fraud same as credit card fraud or wire transfer fraud or crypto scamming fraud. What are you getting at? This is exactly as safe as the previous system which took up to 48 hours to transfer the money.