A withdrawal is three separate jobs, and a quoted window usually covers one of them.
The first is your request sitting in an approval queue. The operator looks at the account before releasing anything: identity documents on a first payout, then bonus state, then whether the amount fits the method's limits. Nothing is in transit yet.
The second is settlement, which belongs to whoever moves the money. A Georgian card payout is posted by your bank on its own schedule. A crypto payout is confirmed by a network that keeps no schedule at all.
The third is the one nobody quotes: the document review that runs before a first withdrawal ever moves. It happens once per account, it sits outside every published window, and it is the reason a first payout reads slower than the figure beside it while every payout after it reads faster.
A quoted window describes an account with nothing outstanding on it. Get yours into that state before you win, and the number starts applying to you.