Santander bullish on the lightning network.

Bitcoin is only able to execute 5–7 transactions per second, whereas VISA executes more than 20,000 in the same time frame. The Lightning Network however is a solution to this problem

Payments on this network do not require block confirmations and are therefore instantaneous. It also allows payments for small amounts, with much lower fees compared to those using blockchain validation. Another major advantage of this network is its scalability – as it can support millions of transactions per second. Ultimately, this network eliminates the risk of delegating custody to third parties.