https://steemit.com/cryptocurrency/@jdh7190/bitcoin-is-already-much-faster-than-a-credit-card

I wrote about how cryptos are already faster than credit cards as a common misconception is that Visa is actually processing transactions.

They are processing authorizations only - no money is changing hands. Crypto is already ahead as the funds change hands within an hour (in most cases).

To me the scaling solution in the short term is solved via bigger blocks.

2nd layers can be explored at some point in the future if they become necessary.

Technology is growing much too fast these days to not implement the quick and dirty solution that works and can scale effectively.