> Is it legal? Maybe not. I'm not necessarily concerned with whether transfers are legal or not. From my point of view the most important property is that trans

> Is it legal? Maybe not. I'm not necessarily concerned with whether transfers are legal or not. From my point of view the most important property is that transfers of value work. Work that through, "it's illegal banking infrastructure, but it works" and you assume that it's a) legit, not a scam, and b) it's going to continue working long-term despite being illegal. How is the appropriate regular going to fit in, or not? IDK why you have not joined the dots. > Are crypto transfers a good solution? Absolutely yes, IMHO. Comparted to what? Wise.com? SEPA (EU) ? NIBSS (Nigeria) M-pesa? If you're saying "but we don't have those, so.." then you're implying that better non-crypto solutions do exist in the world. Crypto is yet another attempt to "use technology to solve a social problem" that is best addressed another way.