[Shank]

> I think that in practice the "eventual" reconciliation is fairly quick nowadays. Just that the offline spend can happen quickly, and then the packet gets sent over the wire maybe a minute later rather than before the spend is approved.

This is definitely the case, and it's also "relatively instant" in the happy path. There are cases like vending machines, or during system outages where the reconciliation happens much later, but those instances are definitely becoming rarer!