Settlement finality is the moment a payment stops being reversible: the state where the money is where it is, full stop. Cards reach it never (chargebacks live for months); bank rails reach it in days; crypto reaches it in seconds to minutes, depending on the chain.
Finality is why merchants take crypto. A settled Bitcoin payment cannot be clawed back by a disputing cardholder or a recalling correspondent bank; the merchant's risk collapses from months of chargeback exposure to the wait for confirmations.
Every U.CASH rail states its finality plainly: instant rails in seconds, card rails per processor terms, crypto per your confirmation policy. No chargebacks exist on the crypto side; that is the product.
Every term behind the rails, the assets, and the settlement.