Yeah, looking at this more closely seems to indicate that RS-422 or RS-485 is going to be your best bet for very quick transfer rates. That means a null modem of some sort.
RS-422 and RS-485 are far superior to RS-232, but also far less common, and far more expensive. The only drawback to RS232 is you get ground loop problems if you want to run it at high speed at a distance of hundreds or thousands of feet. In practice, nobody does this.
Most computers either have RS232 built in, or it can be added trivially with USB.
And then they'd need to drop some serious cash on a USB converter.
$1.99
http://www.ebay.com/itm/New-USB-2-0-to-RS232-Serial-9-Pin-9P-DB9-Adapter-Converter-/281027829591?pt=US_Parallel_Serial_PS_2_Cables_Adapters&hash=item416e905f57Come to think of it, I think the 56k modem option might actually end up being cheaper for them in the long run. Your risk then is possible unknown exploits in ZMODEM or XMODEM or KERMIT or whatever transfer mechanism you end up using. Like casascius says, you could have the transfer mostly take place via null modem and then do some sort of verification of it via audio.
Realistically, ZMODEM/XMODEM/KERMIT aren't going to be used for this. They are totally the wrong tool for the job.
Let me clarify that. XMODEM is closest in function to what will probably get used. XMODEM is a ridiculously simple protocol. Here is the entire protocol: send a packet of up to 256 bytes with a simple addition checksum, and if the checksum didn't match, send CTRL-U to ask for a repeat, and if it the checksum matched, send CTRL-F to ask for the next packet. End of file is signalled with CTRL-Z. There is no room for vulnerability in that, it could be implemented directly in the application itself, hopefully using a hash algorithm as a checksum instead of simple addition.
Also, just because this stuff is decades old doesn't mean someone might not try to compromise it, your risk with custom code might actually end up being greater because it only has security through obscurity. I think I'd be willing to have a semi-airgapped connection via a modem though, because I could just only connect when I knew I wanted to send coin and feel relatively secure. I still like this idea, though, whatever you decide I'll honor the bounty I've posted.
A modem in the MOST LITERAL SENSE emulates a null modem cable while it is connected to another modem. Think of it as a null modem cable that just happens to understand a command to pick up the phone and dial a call.
You can literally program a modem to blindly answer any incoming call and connect to whoever is on the other end, and then plug the modem into a serial device (e.g. a printer) that was meant for direct connection to a computer, not modem. You can dial into it and start printing. It's that simple.