I NOTICED WHY SOME PAYMENTS FEEL HEAVY EVEN WHEN THEY ARE FAST.
Speed alone does not make a payment feel complete. The real issue starts when systems allow transfers to move before deciding the final outcome. Users see confirmations but still hesitate.
Businesses wait. Extra checks appear. @Plasma takes a different path. It decides responsibility early and only then lets value move. Because the system already knows how the payment must end there is no drifting state later. This design removes waiting behavior and reduces hidden risk. Payments feel finished when they happen not after extra time or assumptions.