That&#x27;s still not competitive to ACH or viable.<p>If 10 million people today used off-chain, their transactions wouldn&#x27;t complete until 16 days later.  If 10 million people then used off chain tomorrow, their transactions wouldn&#x27;t go through until <i>32 days later</i>.<p>t+22 days and you&#x27;re already waiting a year to get paid in some instances.