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> especially XLM & XRP which have ridiculous fast sending speeds (like ~3min),

And here I am with my "old tech" SEPA bank account and Instant Payments that take 15 seconds max...

It's not about transaction speeds. It's about the whole point of cryptocurrencies. Try sending fiat money to another country and see if that takes 15 seconds

edit* also, checkout other services like Wirex, they're great

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