ng.substr(0, timeInISOString.length - 1);
        
                return await api.transact({
                    expiration,
                    ref_block_num: blockInfo.block_num & 0xffff,
                    ref_block_prefix: blockInfo.ref_block_prefix,
                    actions: [{
                        account: 'eosio.token',
                        name: 'transfer',
                        authorization: [{
                            actor: 'bob',
                            permission: 'active'