In India IMPS or UPI tranfer is less than a second.NEFT is weekends every one hour. RTGS is more or less real time I routinely pay street vendors directly from

In India IMPS or UPI tranfer is less than a second.NEFT is weekends every one hour. RTGS is more or less real time I routinely pay street vendors directly from my bank account to theirs for 10¢ transactions .