Is exchanging currencies in this manner considered usury due to the absence of the "hand-to-hand" condition?

The validity of currency exchange—buying one currency with another—requires the occurrence of taqabud (mutual possession) at the contracting session. This applies to online transactions. Immediate possession, whether actual or constructive, must be realized in the sale of currencies and precious metals. A contract concluded via voice or video chat online is considered like a contract between present parties. If there is a necessary delay in delivery after payment, it is permissible in cases of extreme need. A delay in bank crediting is excused if it enables the beneficiary to receive the funds actually, provided that the currency is not disposed of during this period.