Bitcoin had a huge congestion problem in 2021, it's been mostly solved now with major exchanges accepting Lightning Network.

For comparison:

• Bitcoin LN: $0.0001 fee, minimum $0.0003, arrives in under a second to a minute
• Bitcoin normal: around $1 fee, minimum around $0.04, arrives in 1 or 2 hours
• SEPA: 0€ fee, minimum 0.01€, takes between 10 seconds and 2 days
• SWIFT: charges up to $20-30 and 2-5% for currency exchanges, takes 1 to 5 days

In 2023, Bitcoin with LN support is comparable to EU transfers, way better than international transfers, and better for microtransanctions.

Its investment value has been overhyped, it's too volatile for long term value storage, but that's irrelevant for instant value transfers.