Spot on. You are absolutely right that traditional SEPA delays are a common source of friction in P2P trades. On this node, we actively prioritise instant fintech rails (such as Revolut Tags or Wise Tags) over standard SEPA transfers, as they provide immediate internal settlement and eliminate banking delays. Our mutual commitment bond and the 23-hour resolution window are specifically calibrated to support these faster, more efficient trade methods, ensuring a smooth experience for everyone.