Bank transfer and wire transfer are two different beasts. In a bank transfer, the sender can simply deposit a bad cheque into his account to transfer to your account or more simply, deposit said cheque into your account. It can be reversed as soon as it is found out the cheque is NSF. Very risky any many scams were made this way.
A wire transfer involves that the funds are verified and in “hand” of the bank executing the wire transfer to your account. As soon as the actual funds leave the bank into your account, the transaction can’t be reversed.
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