Looks like M-Pesa is only available in 7 countries. > The actual cost is a fixed amount for a given range of transaction sizes; for example Safaricom charges u

Looks like M-Pesa is only available in 7 countries. > The actual cost is a fixed amount for a given range of transaction sizes; for example Safaricom charges up to 66 KShs (0.65 USD) for a transaction to an unregistered user for transactions between 101 and 500 KShs (0.99–4.9 USD). For registered users the charge is 27 KShs (0.26 USD) or 5.4% to 27% for the same amount. 0.65 for $1-5 transaction means a fee between 13-65% I don't know about the others but my guess is they are similar. Crypto on layer 2 can be a lot cheaper, ubiquitous and not restricted to geography. https://mpesaguide.com/which-countries-use-mpesa-mobile-money/ https://mpesaguide.com/which-countries-use-mpesa-mobile-mone...