> We already have 'instant' transfers, it's called paying with a debit card at a grocery store. Actually not instant! Debit transactions can not settle for sev

> We already have 'instant' transfers, it's called paying with a debit card at a grocery store. Actually not instant! Debit transactions can not settle for several hours, and even up to a few days (though usually much faster). Though your bank is typically able to say that they have the available money, settlement may not occur for quite some time.