When we spend, we want instant finality. When we earn, we want maximum value. Lightning gives us both instant settlement + negligible fees.

Seven years in, the network has grown to 16k nodes, 75k channels, and 4,200 BTC capacity. Adoption is rising, tools are maturing, and merchants from Square to Steak' n Shake are seeing real gains.

I argue Lightning’s bigger role isn’t just burgers and coffees — it’s becoming the B2B settlement layer of the 21st century. Think SWIFT, but swifter.

Full piece here: https://newmoneymatters.substack.com/p/the-fastest-horse-in-the-race-wins

Curious, do you see Lightning scaling more as a consumer tool or as institutional plumbing?