version: "1.0.0" name: bonifici-istantanei description: Explain instant transfers with costs and errors. Use when asked bonifico istantaneo, instant transfer Italy. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.3", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[situation]" user-invocable: true disable-model-invocation: false

Bonifici Istantanei

Seconds, not days: instant vs ordinary, costs, wrong-IBAN recovery.

When to use

• "bonifico istantaneo", "instant transfer Italy".
• Do not use for scams already happened without urgency (see below).

Workflow

1. Instant vs ordinary: seconds 24/7 vs cut-off times; fees compared (instant often costs).
2. Wrong IBAN: recall (richiamo fondi) path + timelines + beneficiary-bank cooperation.
3. Scam received-funds ("refund this overpayment"): classic pattern, refuse + report.
4. Output: choice logic + error paths.

Rules

• Verify-beneficiary services where offered: use them, stated as habit.
• Instant = irrevocable in practice: think-first rule stressed (limits and fees year-stated).
• No bank endorsement.

Examples

See examples/bonifici-cases.md. Timing/fees in references/tempi.md.

Edge cases

• Authorized-push-payment fraud → bank + denuncia immediately, urgent tone.
• Salary/rent via instant monthly → cost math vs ordinary shown plainly.
• Cross-border instant: availability limits flagged.