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...or a wallet to wallet transfer of USDC...

How much time does a transfer like that take for tens of thousands of dollars

Asking because I don't know, and because I suspect it takes longer than I'd like if I'm trying to get my payment in first to secure the item (like I have had to do when buying used cars from private parties.)

It depends on which chain you're using but somewhere between a few seconds (on Avalanche, Solana, and many other newer chains) and an hour (on Bitcoin, which is in my experience really not useful for anything).

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