The term "instant access" refers to immediate or prompt availability, use or delivery. It means that something is available right away without any delay or waiting period. In other words, it's a state where you can get what you want as soon as possible with minimal effort and time wastage. This phrase is commonly used in various contexts such as banking, finance, communication, entertainment, etc., to describe the speed at which something can be obtained or accessed. For example, an online service that provides instant access to information, a credit card that offers instant approval, or a digital platform that allows users to stream movies instantly are all examples of "instant access" services.