What is this real-time web you speak of?
venturebeat.com
venturebeat.com
If you've worked with a protocol other than HTTP this isn't really a 'miracle'.
Just add ZeroMQ to your app, a few triggers to your DB, you're pretty much done. Or apt-get install ejabberd and add something like XMPPFramework to your app, again, this stuff is a day or two of dev work.
How exactly do proprietary APIs, protocols, and formats democratize something as simple as adding a few more files to your project?
There are plenty of realtime (often termed hard realtime) systems where that action can take minutes or hours, but if it isn't performed by then lives can be lost.
The "realtime" people usually talk about is soft realtime. Trying to perform tasks as fast as possible (or within some average response time), but if the odd task takes longer that's OK.
Anything involving a dynamic open network would be soft realtime.
>Two key benefits are increased user engagement and reduced server load.
The two key benefits are pushing complexity/responsiblity/risk out to the edge and away from core financials and increased control of customers. Also, being able to retroactively change digital records then claim that they are immutable and that there's "nothing we can do" saves a lot of support costs and generally stops financial fraud investigation in its tracks.
Of course existing technology can appear "real time" just as well as any security-inauditable JavaScript library and proprietary API locked up in some random virtualized black-box, but only that kind of technology allows "remote administration" of live 3rd party software.
You know what would really convince me that building on top of proprietary hardware/software with land-baron type rights and EULA isn't just farming a dustbowl for whatever residual value was left after big data got through with it, is another "open source" javascript library that makes integrating with the cloud easier.