The instant funding, is instant, but now you can only instant fund 3 times a month for free. I get why they do that. They need our funds in their partner's bank account. If we hold in our own account until we need a bill paid, then they don't get to invest our funds as banks do. I get it. It's just one gimmick after another that annoys me. I love the sats back on things I'm already going to have to pay though.