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X account @imtov said that an on-demand payment it initiated on Friday had still not arrived by the time of posting, and believed that bank settlement should not require 2-3 business days.
Why do banks need to be modernized?
I had an on-demand payment pushed on Friday that still hasn’t hit my account.
It’s 2026.
Crypto rails can settle transactions near-instantly, 24/7/365.
The infrastructure should work at the speed of the internet. Not in 2-3 business days.
Why do banks need to be modernized?
I had an on-demand payment pushed on Friday that still hasn’t hit my account.
It’s 2026.
Crypto rails can settle transactions near-instantly, 24/7/365.
The infrastructure should work at the speed of the internet. Not in 2-3 business days.
The following is analysis, separate from reported facts. Verify important claims independently.
Traditional banking payment infrastructure: This statement reflects the user's negative experience with the speed and availability of bank settlement and may increase market doubts about the efficiency of traditional payment infrastructure. Crypto payment infrastructure: The content presents crypto rails as a near-instantaneous, always-on settlement alternative, which may support its payment infrastructure narrative, but does not address actual adoption or fund flows.
This is the X account @imtov's opinion based on a personal payment experience; no independently verifiable payment record or bank response was provided, so it cannot be regarded as a confirmed systemic event.
Focus: traditional banking payment infrastructure. Observation period: medium to long term. Focus: crypto payment infrastructure. Observation period: medium to long term
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