OK, so they payed $500M about two years early, right?

That's very bad for your cash flow, and you lose 2 years worth of interest from that, but in the long run, citibank isn't $500M poorer, right?

I'm trying to understand what the real financial impact is. Interest rates aren't very high right now, so can maybe a few percent of the $500M per year?

Regarding the UI issue: Not only is it bad that the user interface is weird, but that approval seems to use the same bad UI as entering the data. The approval stage really needs a line like "this will result in a $ X being sent out on $Date to $Recipient".