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A transaction on the Bitcoin base layer takes 10 minutes to be confirmed once. There is second layer tech available to allow faster transactions (Lightning).

A transaction on the Ethereum base layer takes 12 seconds to be confirmed once. There is a vast variety of second layer tech available to allow faster transactions.

There are very different amounts of risk associated with accepting a transaction on the base layer of Bitcoin vs Ethereum after n blocks. For example, Coinbase accepts Bitcoin deposits after 3 confirmations (30 minutes) and Ethereum deposits after 35 confirmations (7 minutes).

Compare to traditional banking: Coinbase accepts ACH deposits instantly (up to a limit) and wires of any size can take 24 hours.



SEPA transfers are instant.

Secondly, is Bitcoin + Lightning in combo decentralized in practice?


> Secondly, is Bitcoin + Lightning in combo decentralized in practice?

I don't know. I'm much more interested in Ethereum, personally.




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