0.3 seconds, budgeted
A transfer has a budget: 80 milliseconds for fraud checks, 60 for ledger writes, 40 for the rail handoff, and the rest is headroom for a bad day. If any step blows its budget, we see it on a dashboard before you feel it in the app.
The trick isn’t one clever optimisation. It’s a hundred boring ones — connection pooling, pre‑warmed caches, and refusing to do anything at payment time that could be done earlier.
Paranoia as a feature
Every transfer runs through real‑time anomaly detection. Speed without safety is just a faster way to lose money, so the two ship together or not at all.