> - speed. Instant SEPA is faster than any cryptocurrency. Not really, when you take into consideration the KYC aspects. > - fees. Many types of bank transfer

> - speed. Instant SEPA is faster than any cryptocurrency. Not really, when you take into consideration the KYC aspects. > - fees. Many types of bank transfer are free. Crypto transaction fees are often high. When they're not, they are highly volatile. Fees on the L2 chains are fractions of a penny.