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Yea let me transfer money to another account through ACH....

3 day....

Let me transfer it with Eth or BTC...

1 hour or 40 seconds later...

ACH vs BTC is a strawman battle that glosses over Paypal, Venmo, Square Cash, Facebook Messenger Payments, Zello, AliPay, and a few dozen others.

bitcoin won't censor or freeze your transactions tho.