Bitcoin vs Monero to pay for hosting

Time, fees, chain privacy, refunds. How to pay for a VPS or dedicated server in either coin.

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Decision tree

Want boring liquid money and a finance person who already holds BTC? Bitcoin. Want the default privacy coin this category standardised on? Monero. Want a stable dollar amount for a $13.50 VPS or a $89.50 dedicated box? USDT-TRC20, which is the third rail on the same invoice page. All three are first-class. ETH, SOL, LTC and TRX are there if that is the wallet you already opened.

Time to SSH

VPS images after the confirmation depth on the invoice. In calm conditions that is about one Monero block (~2 minutes) or one Bitcoin block (~10 minutes) plus image time (~60 seconds). Dedicated adds 2-4 hours of racking after the invoice is credited. Network congestion on BTC can stretch that; raise the fee rather than opening a second invoice.

Mistakes that lose money

Wrong network, reused address, underpay without a ticket, Lightning to an on-chain address, ERC-20 USDT to TRC-20. One coin, one invoice, the address on the screen. We do not recover cross-chain sends.