The solution involves building a high-speed, unified API network that directly interlinks multiple crypto exchanges, banks, and financial institutions.

By establishing real-time data flow and using smart algorithms that predict and manage exchange rate volatility, the system provides instant, accurate price locks and conversions.

The API will bypass traditional step-intermediary processes, offering a direct channel for crypto-to-fiat transactions.

Blockchain or distributed ledger technology will be utilized to ensure transparency and security of transactions, thereby enhancing trust among users.

This solution significantly reduces transaction delays associated with crypto payments by offering real-time, accurate conversions, benefiting merchants and consumers seeking reliable alternatives to traditional payment methods.

The streamlined process enhances customer satisfaction and positions the solution as a preferred choice in the burgeoning crypto market.

The core technology - a unified API platform - is feasible with advancements in APIs, blockchain, and financial technology.

However, coordination with various exchanges and financial institutions is complex and may require significant partnership development efforts.

Regulatory compliance will need addressing based on regional requirements.