[SmellTheGlove]

Not the author, but know a little bit about this. You’re describing a payable or receivable, depending on the direction of the funds flow you’re thinking about. You’d have an account for the payable/receivable that should clear. If it doesn’t do that by the expected settlement date, someone or something needs to go look and find out why. The settlement date itself should be predictable based on properties of the submitted transaction and the network/scheme reporting.