How do payable through accounts (PTAs) differ from normal foreign correspondent accounts?

How do payable through accounts (PTAs) differ from normal foreign correspondent accounts?
A . The customers do not have to worry about sanctions list screening such as OFAC
B . The customers have the ability to directly control funds at the correspondent bank
C . The customers can contact the correspondent bank directly to send wire transfers
D . The customers can hide their identity through the use of cover payments in
F . dollars

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Answer: B