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«ATM it's pretty slow»

For most cases you don't have to wait for a confirmation. Accepting a typical non-RBF 0-conf transaction is safer than accepting a credit card payment, because it is trivial to reverse a CC charge, but difficult to suppress a 0-conf transaction sitting in the mempool of thousands of Bitcoin nodes.

«many coins have one pool with majority»

It is not the case for most popular coins: BTC, ETH, BCH, LTC...




That's because rejecting RBF transactions without making it part of consensus is not incentive compatible




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