Does it mean to transfer money to someone early in the morning?

Not good. It is not good to transfer money to others in the morning, it is not very auspicious.

In fact, many places have the habit of not talking about money in the morning, so it is best not to collect debt or borrow money in the morning. Although it is perfectly natural to collect debts from others, it is somewhat unlucky to collect debts from others early in the morning.

Since ancient times, collecting debts in the morning has been a taboo among the people. It is easy for the other party to feel resentful and even go astray to repay the debt out of desperation. As it also involves money, it is not suitable to borrow money in the morning. Although the person I was borrowed from didn't say anything, he couldn't help complaining and feeling unlucky in his heart. Moreover, this is not a good thing for those who borrow money, and their fortune may be affected.