swap BTC to USDC without a centralized exchange account, 25 minutes, is that normal

finally moved a third of a BTC position I'd sat on for months into stables. the obvious route is an exchange, two minutes if you have a verified account, except the last time I sold there the withdrawal to a new wallet address went into a 24-hour whitelist wait. standard policy, still a day of my USDC sitting on their side.

so this time no account anywhere. sent the BTC from my wallet, SimpleSwap did the conversion, USDC arrived at my address. about 25 minutes end to end, nearly all of it bitcoin confirmations, which I knew going in and still hated. the difference from the exchange version isn't the swap, it's what happens after: there is no after. it's already where it's going.

still not a fan of money in flight for that long. but nothing was sitting in anyone's queue when it was done, which is the part I wanted.