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I honestly don't get it. I sent BTC from one wallet to another, and it took like 90 minutes. And $20 fees.

I cannot imagine paying for anything with this. How can user experience be compared to paying with VISA, PayPal or anything else?

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This comes up in every thread about Bitcoin, and in every thread there are numerous responses stating "lightning network is the solution to the fees". And.. that's exactly what El Salvador is using. Instant settlement, with basically 0 fees.

I tried sending XRP from one wallet to another, and it took a little more than a minute. Much much better than BTC, but still not credit cards...

It takes days for a credit card transaction to settle, and the buyer could file a chargeback and erase not only your profits but your cost basis. That (many cryptos) is a hell of a lot faster and more secure for a merchant.

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