The payment gateway providers will create the infrastructure to settle payments early where needed (by relaying/insuring the risk, credit scoring, much like the

The payment gateway providers will create the infrastructure to settle payments early where needed (by relaying/insuring the risk, credit scoring, much like they do today for CCs). In practice you may find that your starbucks coffee will take 10 minutes to buy with a newly created wallet, but comes in immediately when paid with a wallet that you've been using for a while (so it has a 'reputation').