> For the complete documentation index, see [llms.txt](https://docs.vdex.trade/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.vdex.trade/introduction/virtual-rollups/settlement.md). # Settlement Settlement occurs on a blockchain. The user's [Virtual Node](/protocol/whitepaper/virtual-node.md) will determine if a vault has sufficient liquidity and then request the Final Balance State, FBS, from the counterparty. The FBS executes immediately onchain, bypassing the typical fraud proof delay. FBS are intended for immediate withdrawal as they lock balance states and expire within five minutes. This prevents double spend as outdated FBS could otherwise immediately withdraw funds without the possibility of dispute. The user can create unlimited FBS after expiration of the last. If the counterparty refuses to create the FBS, then the user may submit their latest nonfinal balance state as a fraud proof. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.vdex.trade/introduction/virtual-rollups/settlement.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.