I am currently facing challenges in comprehending the methods we can employ to enhance security against fraudulent activities. In a hypothetical scenario where an RTGS transaction is conducted in your presence, let's consider the situation where I initiate an RTGS transfer to XYZ Company, coincidentally owned by a friend of mine.

Moving forward, could you please clarify whether the Demand Draft, which you are generating, would be retained in my possession or if it is intended to be held jointly? It is my understanding that the Demand Draft will indeed be placed under joint custody, with each of us possessing two digits for authentication purposes.

Additionally, I would like to confirm whether our arrangement involves a provision stating that I would only take ownership of the Demand Draft in the event that the recipient fails to furnish surplus funds. Furthermore, in circumstances where I, as the donor, do not execute the RTGS initiation, is it accurate to assume that the Demand Draft would then be reverted back to your custody?

Could you kindly elaborate on the procedural logic behind this arrangement? I am particularly interested in comprehending the process by which I would assume possession of the Demand Draft and subsequently manage it in an efficient manner.