That's foreign exchange wire transfer, a bit like mailing items (foreign exchange is also an item). When I arrived, a bill showed that it belonged to you, but it didn't reach you right away. You need to sign the bill at the logistics point for confirmation before it can reach you. The same is true of foreign exchange wire transfer. There is a wire transfer slip showing that you have a sum of money that belongs to you, but it needs to be verified before it can be credited to your personal bank. What about your card?