Not sure that speed is so important for such transactions. I just paid my 3rd quarter estimated taxes in the USA (both federal and state). Both transactions cam

Not sure that speed is so important for such transactions. I just paid my 3rd quarter estimated taxes in the USA (both federal and state). Both transactions came straight out of my bank the day after I submitted the payments. Perfectly fine. It is retail transactions where I and someone/something else trade money for goods that need the "instant" aspects of this.