I didn't miss the point. I addressed the first part of your claim, which is built upon a demonstrably false assumption— that visa and Mastercard process near instant payments. Provisionally, yes, but not final settlement. And in the context of Brad's video, he is talking about Final Settlement.
Since you are ignoring the fact you are proven wrong, let's address your other poorly thought-out claims...
"both support higher TPS than
$XRP" - while this is technically correct but ignores some nuance, you're comparing the performance of XRP to VISA in criticism of Brad's video where he is talking about RippleNET. He didn't mention XRP once. So conflating the two to make a point is a strawman argument. Neither of us know the TPS capability of RippleNET. So your claim here falls apart. In the context of making a domestic Uber driver payment instant, in a single sovereign currency RTGS setting but operating over RippleNET, performance could easily exceed VISAs, but again, neither of us know RippleNETs performance in a domestic or cross-border setting.
"The slowest part of the entire transaction is the compliance checks" - Sure. So what? Brad is talking about his vision for the future, where everything can be streamlined to near instant finality. Central Banks are moving in that direction. In a cross-border setting, ISO20022 is a major step forward that has yet to be implemented and enforced for cross-border transactions (Nov 2025). So you're referencing a problem of the traditional system in response to Brad who is talking about a hypothetical future system based on RippleNET.
"Brad knows this, but will keep peddling nonsense" - This claim is the most telling of all. It demonstrates your clear negativity bias. Brad isn't peddling anything but RippleNET as a solution to instant payments, particularly cross-border with near instant finality. That's his vision which aligns with reality and the direction of global payment systems, where even compliance can be automated in a near instant settlement.
The only thing you proved here is your inability to assess information accurately in offering commentary. You sir, are the one peddling nonsense.