Payout method, not network, drives 40% of payment delays

Payout method, not network, drives 40% of payment delays
Payment friction = added days and fees between funds released and funds received.
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Wire (SWIFT): 2–5 days, 1.5–4% fee ▏▏▏▏
PayPal: 0–1 day, 2–3% fee ▏▏
USDT/crypto: 0–1 day, ~1% fee ▏▏
Paxum/ePayments: 1–2 days, ~1.5% fee ▏▏▏
Local bank ACH: 3–7 days, low fee ▏▏▏▏▏▏
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Sample: 33 networks x method matrix.
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The same on-time network feels slow or fast depending purely on rail choice.
Read: optimize the payout rail before blaming the network's payment speed.