Instant payments stopped being a competitive product decision and became a regulatory obligation. A recall request on most instant rails is a polite enquiry to the receiving institution, not a mechanism. Instant payments compress layering from days into minutes, and a stale profile cannot see it. The sanctions screening paradoxThere is a genuine technical contradiction at the heart of instant payments compliance. What real-time monitoring actually has to doRebuilding for instant rails is not a matter of running the same rules more often.