Reality check on crypto payments:

Onchain settlement = fast ✅

But that's only half the battle.

The real friction? Off-chain:
• Converting to local fiat
• Compliance hoops
• Legacy banking rails

Most people forget this. You can settle $BTC in 10 mins but still wait 3-5 days for your bank to clear it.

This is why mass adoption is still messy. The tech works. The infrastructure around it? Still catching up.