The biggest problem with cross-border payments may not be speed. It’s how many separate systems have to agree before money actually settles. Traditional correspondent banking can route value through multiple intermediaries, ledgers, operating hours, and reconciliation processes. Bitcoin takes a different approach: a shared global network can serve as the settlement foundation itself. For @utexocom , the interesting part is what happens when USDT enters that stack: Bitcoin → settlement foundation RGB → asset layer Lightning → fast payment rail Utexo → infrastructure connecting them The thesis isn’t “replace every bank.” It’s simpler: reduce how much infrastructure has to sit between sender and receiver. If payments can coordinate around a shared settlement layer instead of a chain of institutional relationships, cross-border finance starts looking fundamentally different. The real question is how much intermediary infrastructure we actually need.