Two non-happy paths: insufficient funds is blocked at the amount step (never at confirm) with resolve options, and a first-time payee triggers a one-time-code step-up before review.
Insufficient funds — blocked at the amount step
Amount · over balance
9:41
Amount
Available$0,000
Amount is more than your available balance
Continue
Resolve options
9:41
Amount
Short by a small amount
What you can do
Lower the amountSend up to available
Move from another account
Send max available
Edit amount
New recipient — first-time-payee verification before review