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It’s another case of having to wait for the right people to die, probably.

I disagree. the 3 day delay is not because they want to put best security practice. If that's the case how does apps like Zelle transfers money instantaneously? I know in India, bank transfers are instantaneous and the receiver gets notified instantaneously. Some merchants even put their account number so people can transfer money to purchase goods.

Should. But aren't.