from on disk blockchain for more than one day and it is still replaying and only 97% has been completed?
That depends on the resources available, yes it could take that long if it's a first sync or re-sync of the chain, if you need a wallet that uses less then you should look to use one of the light wallets available like Ccvault typhonwallet nami yoroi etc those work better for the majority of daily users.
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