Gavra has it right. A Kinyan is required to solidify a sale. Until the Kinyan is made anyone could back out of the deal. However, if you owe someone money, you can’t change that. You are merely letting the bank know that part of the money they are Meshubad to give you will now be due your friend. The only question that remains is if I put none into someone’s account as a gift, can I back out?
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