The blockchain is not comparable to the Visa network as you use it as a consumer. It is comparable to the Visa network regarding settlement, which is extremely

The blockchain is not comparable to the Visa network as you use it as a consumer. It is comparable to the Visa network regarding settlement, which is extremely slow and periodic, just like the blockchain. Your bank has a series of pending charges that settles 24-48 hours later, which is similar to a dual-layer model - for example, Bitcoin's blockchain (settlement layer) and the Lightning network (consumer Visa network).