A fair amount of the "clearing" time is usually not spent in clearing but in processing. Eg I don't know how common this is elsewhere, but here most of the banks I've delt with charge you more for a 12h/24H/immediate wire, and their regular service is in the 48h/72h (we're talking guaranteed time here, it's not uncommon for the regular option to be done under 36h).
Where is "here"? In the US wire transfers happen the same day as long as you schedule them before the cutoff, otherwise it's next business day. ACH takes longer, but that's not a wire transfer.
