I don't understand , I live in india and here we can use UPI like google pay and phonepay to easily pay money within seconds and a touch and no extra cost or transaction fees is taken . But when i try to ay with bitcoin like 1000 ruppes i have to pay around 120 ruppes in fees to get the transaction done in 10minutes .
Do you really need to get the transaction confirmed in 10minutes? Not even the banking system is that fast. In Brazil, a bank transaction take about 15-30minutes to get completed, and it is called "instant".
If you can wait about 3-5 hours you can make a bitcoin transaction with less than 0.10 usd. If you are not at hurry at all you can pay about 0.01usd. Almost free. Ofc that depends on networking congestion as well.