There is a small fee for the "opt-in", and it does seem like a loan until they get the funds from your bank, but this should make it faster and/or easier to fund your gox account.
Instant is a new opt-in feature that provides you access to cash immediately. When you turn the feature on, you can deposit and send cash without the wait or delay users typically bump into with Dwolla. Whether you’re in a combine, on the streets of New York, walking down the Embarcadero in San Francisco, or stopping in at Mars Café in Des Moines, if you have access to the Internet, you have cash.
No more waiting, no more hunting down your ATMs, no more confusing price structures, no more hidden fees, no more interest rates, no more tricks to lure you into debt, and no more headaches. Once you subscribe, you’ll have all of the benefits of Dwolla without the wait.
Transactions are still 25 cents, except for those under $10, which are free. The feature has one participation and one penalty fee, both simple, transparent and low-cost requests.
How to use Instant
Login to your Dwolla account online.
Click Add/Remove Features.
Turn on the instant feature.
Once enabled, go to “Deposit Money”. You can now select Instant as a funding source. Money is now instantly available.
Here is a link.http://dwolla.us1.list-manage.com/track/click?u=76db41be3e3d000cb2fc7026f&id=c0b583c46a&e=a98dd14ec4
I went into my dwolla account, and it says "Due to an overwhelming response, we are granting access to this feature as our system scales to accommodate our growing userbase. If you would like us to notify you when it is available for your account, blah blah."