With regard to the instant payout risk with the new FLASHCA$H program:
The system looks for a transaction history. So, we?re not going to pay instantly on the first signup of someone we?ve never heard from before. Because, you?re right, the risk would be huge.
But as soon as the system sees that the transactions you are generating are legit, you are assumed to be trustworthy and the money flows instantly.
http://www.flashcash.com/RealTimePayments