# Layer2AndPaymentsIntegration

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#Layer2AndPaymentsIntegration
The fifth topic shaping US Bitcoin strategy in 2026 is payments and infrastructure, specifically Layer 2. The focus has moved off speculation and onto utility. The question institutions are asking now is not “can Bitcoin go up” but “can Bitcoin move money faster and cheaper.”
The answer in the US market is increasingly yes, because of Layer 2 networks. Lightning, Fedimint, Ark, and bank-run L2s are being integrated into fintech apps, payroll platforms, and B2B settlement rails. The value proposition for US companies is straightforward: instant settlement, sub-10 b
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