They'll be in later phases, once they feel confident enough to significantly ramp up volume:

> Participants will be added to the RTR in three phases to help control the volume of transactions added to the system, with the goal of including every Canadian financial institution on the rail by mid-2027.

> The major banks – which will shift massive amounts of volume onto the RTR – are not involved in the first phase of the rollout, but will join in the second and third phases.

https://www.theglobeandmail.com/business/article-payments-ca...