In fact, for much of the world, this &quot;deposit a check&quot; is definitely from last century. Instant transfer is reality in Europe, and even many countries in Africa and Asia operate mobile banking services where transfers happen right away.<p>The currency is not necessarily cryptocurrency; it can be &quot;air-time&quot;.<p><a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;M-Pesa" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;M-Pesa</a>