But first let's talk about the Lightning Network (LN). It is a “second layer” payment protocol that operates on top of the leading cryptocurrency, Bitcoin, to significantly improve its scalability. It is designed to enable instant, low-cost BTC payments between two parties. Lightning Network comprises a network of “payment channels” between participating nodes. These channels allow participating nodes to settle payments instantly between each other without having to wait for confirmations on the underlying blockchain. When the payment channel is closed, all your transactions are recorded on the network as a single large transaction. knowing this it is really crazy that international bank networks as well as some ecommerce do not use this wonderful network for their transactions being bitcoin as the digital treasure we can have and use today. i agree with the use of LN network for instant payments in any payment network.