In fact, for much of the world, this "deposit a check" is definitely from last century. Instant transfer is reality in Europe, and even many countries in Africa

In fact, for much of the world, this "deposit a check" is definitely from last century. Instant transfer is reality in Europe, and even many countries in Africa and Asia operate mobile banking services where transfers happen right away. The currency is not necessarily cryptocurrency; it can be "air-time". https://en.wikipedia.org/wiki/M-Pesa https://en.wikipedia.org/wiki/M-Pesa