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Yes. All current "direct transfer" solutions, more or less requires that you keep a rather large sum of money in a common pool (at the 3rd party) to cover for the event that you run out of money and have to close the bank, to guarantee that all (or at least most of) the money is actually available when the debts are settled, typically a few times a day.

I don't think real time settlements involving the central banks will happen any time soon, but maybe more frequent batches.

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