Visa can take a few days to settle where with Monero you will typically want to wait for 10 confirmations which takes 20 minutes.

Visa's fees are 1.4%-2.5% for the merchant where Monero's median fee over the last 100 transactions was $0.002.

How much does it cost to convert that to US dollars?

And what is the half life value before that money ends up disappearing because of a hack, wallet mismanagement, or a straight up scam, or ending up being seized by the FBI?

Considering the ridiculously large percentage of Bitcoin that belongs either to the FBI or Mt Gox scammers, and the massive number of other scams in crypto, I bet once you adjust for those factors the value will be minuscule.

> How much does it cost to convert that to US dollars?

Not sure how that's comparable to Visa, Visa doesn't handle conversations at all between different types of currencies (you can't convert USD to BTC with Visa for example). It all happens via 3rd parties, just like with cryptocurrencies, so it depends on the 3rd party more than anything else.

> And what is the half life value before that money ends up disappearing because of a hack, wallet mismanagement, or a straight up scam, or ending up being seized by the FBI?

Neither of those things have happened to Monero, and since the project is relatively old (for the cryptocurrency space at least), it seems safe to say that they generally know what they are doing, or we'd seen more hacks.

I think the original claim still seems right. Monero both settles faster and has lower fees (depending on the amount for the Visa transaction obviously, as it's percentage based, while Monero as a "flat fee" [based on network activity]).