Production payout settlement-speed telemetry: measured medians

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Production payout settlement-speed telemetry: measured medians (explicitly medians, never averages) of cross-border delivery time per rail and destination market over rolling 90-day windows of live transfers — 18 payout destination countries where transfers have actually landed, 8 mobile-money markets measured in the same window, mobile money versus bank rail comparison per market (Rwanda mobile money 47s median with 97% landed within 5 minutes; Kenya M-Pesa 1.6 min; Uganda mobile money 1.1 min versus its banks 2.6 min; Ghana banks 90.6% within 5 min versus mobile money 88.4%; Nigeria NIP 57s median to any bank with 91% within 5 min), plus wire-cost comparison fields (flat $25-50 wire and lifting fees, correspondent deductions taken from principal in transit, roughly 3.5% FX markup at a typical bank).