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User connects wallet on any supported chain
Any chainburnForRedemption() burns tokens and emits ByteID
~3 secL24 Oracle confirms burn and unlocks reserve
~5 msFiat released from locked pool where mint occurred
~2 msUser chooses: Bank, Wallet, or P2P App
User choiceRTP/FedNow → Bank | USDC → Wallet | Venmo/CashApp/Zelle
~30 msUser receives funds at chosen destination
42 ms total