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Completely agree with you on that one. I actually mentioned to Alex, that we should have mentioned the Lightning network. I guess we can discuss it in another episode!

off-chain solutions would perform better on a robust blockchain. Bitcoin and Ethereum are lagging under load. Add a settlement layer to a blockchain that can handle 20k+ tps and ambitious projects, e.g Circles Spark/Centre protocol aiming to link all payment processors could be a thing. As things stand I don't see a solution to bitcoin's problems.