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Realtime rails are designed for immediate processing, but approval, review, scheduling, and failure states can still delay or prevent settlement. They have no return state. Before submission, a realtime transfer can be pending_approval, in_review, scheduled, or pending. It then becomes settled, failed, or canceled. There is no Public API cancellation endpoint and no returned lifecycle state.
Realtime transfer lifecycleRealtime transfer lifecycle
Treat the create response as acceptance, not settlement. Retrieve GET /v2/transfers/realtime/{transferId} until it reaches a final status, or use the webhook’s entityId to retrieve a Transaction, then follow its transferId.