There is that.

Jay
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915a7511a6e019106d01f68b61eb85c3bdc6f21f437032480451e0489d7c0d11...
There is that.
And both can get slower. Bitcoin based on mempool conditions and wires based on how hated you are by the banking system. At least you can just pay a higher fee to get through faster on Bitcoin. I dunno who to bribe to get a wire through faster. Bribes aren't very fungible.
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