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Would you like to pay in bitcoin, ethereum, litecoin or steem? Which has the fastest confirmations, please?

Meh, whichever coin the smart-wallet app decides is best based on what the vendor accepts and user preferences.

Why bring a human into it?

Coin Marketplace

STEEM 0.22
TRX 0.25
JST 0.038
BTC 104568.21
ETH 3321.33
SBD 4.07