Over my life I have dealt with over a thousand wire transfers including international, both business and personal with over a dozen banks. So yes, I can pretty

Over my life I have dealt with over a thousand wire transfers including international, both business and personal with over a dozen banks. So yes, I can pretty definitively say when something does not match the reality. The delay in the international wires that are a feature ( 1-3 business days ) have nothing in common with the 20% arbitrary delay of unknown duration that you have promoted. That's the 20% delay that would collapse the world financial system.