[dx034]

10 seconds sounds longer than current credit card payments? I could imagine that to be a barrier in some situations.

[dr_win]

This will be the base layer. They expect custodial wallets and payment channels on top (in Bitcoin terms exchange wallets and lightning network).

See the Libra blockchain paper, section 8:

> We anticipate that many payment transactions will occur off-chain, for example, within a custodial wallet or by using payment channels [45]