It's not about the loan at that point. It could be a wrong account number, or a wrong amount (e.g. https://metro.co.uk/2022/09/01/australia-crypto-com-accidenta

It's not about the loan at that point. It could be a wrong account number, or a wrong amount (e.g. https://metro.co.uk/2022/09/01/australia-crypto-com-accidentally-sent-woman-6000000-17281234/ https://metro.co.uk/2022/09/01/australia-crypto-com-accident... ) and Bob would still be liable if Bob moved the money out and was unable to return it.