Off chain transactions cost you zero confirmation.
For faster payments we already have lightning which is pretty cool.
Does that come with additional costs ?
Transactions in the LN are cheaper compared to the normal transaction that we do, so it cost lesser than the usual ones that we do in the Bitcoin network. As we can see right now, network isn't that congested and clogged at all so we should just enjoy the cheaper fees that we have. But I understand that it's about the zero confirmation and sometimes mempool shows that.