Learning from 10 years of faster payments

Well, while banks, have to think about applications for real time payments, criminals already found out. They use it to laundry their money in an intsant in an way that money becoems not rerievable. Real time payment would be okay if you can also retrieve stolen money in real time . Unfortunately stolen and frauded money can disappear real time, the same when you mistake the addressed account number. So as customer I would say slowdown, or find ways to retrieve stolen money real time. I do not need realtime fast services and applications if the risk is that all my money gets stolen while the "fast bank" wil neither refund nor get my money back.