You can settle as quickly as you want if you’re engaged directly with your counterparty. But yes, T+2 is wildly outdated and will likely move to T+1 in the next few years. Longer term, anything less than same-day settlement both wastes capital (of BDs who need to post collateral while their customers’ trades wait to settle) and risks contagion (since each additional day of settlement gives a party more time to go bankrupt) IMO