Why do you think bank transfers take several days to go through? It's because the bank is allowed to reverse the transaction within that time period, i.e. to mu

Why do you think bank transfers take several days to go through? It's because the bank is allowed to reverse the transaction within that time period, i.e. to mutate it. I know these days there's a network of banks that do much faster transfers between them, but that's because they trust each other to reverse charges as needed.