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Processing Time Meaning

Processing time is the total duration it takes for a financial transaction to move from Initiation to Finality. It is the most visible metric of Efficiency for a payment system. In the legacy world, processing time is often measured in Days.

A Check might take 5 days to Clear, while an International Wire takes 3 days. This Lag is caused by the Manual Reconciliation and Batch Processing used by traditional banks.In the Fintech Era, the goal is Instant Everything. Apps like Zelle or Venmo offer Instant Processing for the user, but in reality, the Back-end settlement still takes days.

The app is simply Fronting the money to the user based on Trust. If the Back-end transfer fails, the app has to Claw Back the funds. This Credit Risk is why Instant Transfers often have Lower Limits than traditional wires.On a Blockchain, processing time is determined by Block Time and Confirmations.

Bitcoin has an average block time of 10 minutes, while Solana’s is under 1 second. For a transaction to be Safe, most businesses wait for several Confirmations (blocks added on top of yours) to ensure the transaction isn't Reversed.

Therefore, the Total Processing Time for Bitcoin is often considered to be 30-60 minutes, while for newer chains, it is effectively Instant.For Global Commerce, long processing times represent Lost Capital. If a million dollars is Stuck in Transit for 3 days, that is 3 days of Interest that the owner is not earning.

This is known as The Float. One of the primary drivers of Stablecoin Adoption is the ability to reduce Processing Time from days to seconds, allowing businesses to move their Capital faster and more Efficiently than ever before in human history.

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Important Disclaimer:

Finery Markets BVI Limited (“Finery Markets”) provides software, technology infrastructure, and related Information and Communication Technology (ICT) services on a Software-as-a-Service (“SaaS”) basis. Finery Markets acts solely as a software vendor and does not operate a trading platform, does not intermediate, match, execute, clear, or settle transactions, and does not engage in any activities that would require regulatory authorisation under applicable laws.

Finery Markets’ software is non-custodial and is provided exclusively to licensed institutional entities that act as independent operators of their own environments. All counterparties are solely responsible for establishing and maintaining their own bilateral trading and settlement relationships. Finery Markets is not a party to any such arrangements and assumes no responsibility for the conduct, verification, or compliance obligations of any users of the software.

Nothing on this website shall be construed as a financial promotion, investment advice, or an offer to engage in regulated activities. Access to and use of the software is strictly limited to clients who have entered into a software licensing agreement with Finery Markets. Persons located in jurisdictions where such access is restricted should not rely on this website or any of its contents.

Additional notice to UK visitors: This website and associated communications are not intended to constitute a financial promotion under The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 (as amended) and related guidance. Access to services provided by Finery Markets is limited to regulated entities, professional clients and eligible counterparties as set out by the Financial Conduct Authority. UK users are not permitted to use this website for the services of Finery Markets if they don't fall within these categories.