# 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 This prevents double spend as outdated FBS could otherwise immediately withdraw funds without the possibility of dispute.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: 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: ``` GET https://docs.vdex.trade/introduction/virtual-rollups/settlement.md?ask= ``` The question should be specific, self-contained, and written in natural language. 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.