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RTP speed alone won't justify cutting the 2-day ACH hold. A formula based on settlement lag and exception rates shows when payout buffers can be safely reduced. Independent technical note mirroring the canonical version: https://mosa.money/blog/payout-cash-buffers-rtp-vs-ach-when-to-cut-the-legacy-2-day-hold.php Sources consulted: https://www.bluusun.com/
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