"15 minutes" to settle cash for next trade is enough "instant" for most traders I think. The part that irritates people is the "2 business days" problem in the

"15 minutes" to settle cash for next trade is enough "instant" for most traders I think. The part that irritates people is the "2 business days" problem in the regular account. I have heard it is complicated, but can someone elaborate the "computing cost" of a regular (non-coin) digital transfer? Btw, transfers within 15 minutes are being done all over the world without the fancy blockchain and coin. I do understand the need for some transfers to be delayed , say liquidating all of one's investment to take a few days just for security reasons.