Transfers take seconds.of sun or holiday sent to other destination fir that period. Always someone paying int by the nanosecond. Transfer fees are all a function of the " club ".
Example: was
Exch US for Thai baht..large amount
At Super Rich ( best ) asked best rate. best rate have amount. asked if had $ with me..no, she said best rate in her hand , with buyer on phone to Japan..got cash, she had phone.... confirmed. Given great rate .