and as such because its deposited(preconfirmed) into a company that other businesses will trust. then INSTANT transactions can occur. either onchain or offchain.
offchain transactions are not bitcoin.
any business which will accept numbers stored in some companies database as bitcoin is basically using that company as a bank.
history shows that eventually this bank company will start issuing more database bitcoins then there are actual bitcoins on the block chain (e.g fractional reserve).
visa is just a database in that case.
paypal is just a database in that case.
what im trying to point out is that bitcoin does not have to be the ultimate solution. businesses can build services ontop of bitcoin. research escrow!
Edit: looks like bittburger explained my point better