Monero has a adaptive blocksize calculated based on the last 100 blocks. If demand increases the blocksize will increase as well. But there is a limit to the size.

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From what I understand even with max size the transaction rate if the network is limited and won't support mass adoption

I highly doubt we will see any form of mass adaptation in the near and not so near future. But I'm confident if we will come closer to this point, a solution will be found.

I heard there are considerations building an off-chain payment network (2nd layer)

Won't a 2nd layer erode the privacy of the transactions?

Sure, if the second layer is public Facebook posts.

The question is: Is it possible to create a private, trustless, safe, second layer protocol?

Let's just say that I am not impressed with Lightning.