Coinbase delays the disbursement to keep you from chargebacking. Same thing happens in Dwolla. If you send a money order over snail mail to an exchange, you can

Coinbase delays the disbursement to keep you from chargebacking. Same thing happens in Dwolla. If you send a money order over snail mail to an exchange, you can get your funds available same day (they receive it). It isn't anything bitcoin can change - it is moving money from a chargeback system to one without a way to reverse transactions. If they allowed chargebacking, they would be exploited and go bankrupt.