Transferring money across borders has already been mostly disrupted by Tansferwise. Fees for that are about 10% of what WU charges. Granted there is still some

Transferring money across borders has already been mostly disrupted by Tansferwise. Fees for that are about 10% of what WU charges. Granted there is still some room for improvement there since 1. Transferwise uses ACH so it takes a couple days and 2. Not everyone in poorer counties has easy access to a bank account or even a bank (with WU you can literally set up a stall on the side of the road and people can send and receive money). I think 1 and 2 could still be solved with traditional fiat since there’s not a hard requirement that ACH needs to be used. The fees are low enough with Transferwise that it’s probably not too much of a blocker for people to pay them.