; (4) prioritizes safety and soundness, consumer health, efficiency, and other relevant public interest considerations; (5) provides end users with the confidence and trust in the safety and security of the system by ensuring that— (A) fraud and errors are minimized and resolved quickly; and (B) the assets, accounts, and information of the end user are protected, even as payments cross different solutions; (6) has transparent operating information; and (7) ensures that there are no volume discounts made that disadvantage smaller financial institutions.