» Sign-up and documents on a phone: five minutes or a day?
It depends on the photo. In 30 seconds: sign-up two minutes, ID photo one minute, request two minutes; a blurry or cropped photo adds a day to approval. The most common mobile mistake is shooting the document in dim light.
Scenario: a reader shot her ID at night, approval was refused as unreadable, she reshot in daylight the next morning and was approved in two hours. Another shot it flat, no flash, all four corners visible, approved in four hours. Comparison: same phone, one day apart.