PayPal/cash/venmo/etc tho? I think the crux is large amounts and/or cross border.

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Yep, and even though PayPal / Venmo give the appearance of instant, it still takes 2-3 business days to transfer your account balance to your bank/savings account.

Ah, yeah. Bank to PayPal is slow, but PayPal to PayPal is fast. Almost like waiting for an LN channel to open on mempool 😂

Oof burn 😂