> As a European can you transfer money to, say, Vietnam without using clunky 40 year old technology like wires? clunky like for a flat fee of less than 5 euros

> As a European can you transfer money to, say, Vietnam without using clunky 40 year old technology like wires? clunky like for a flat fee of less than 5 euros available in a few hours as real money, directly available without having to setup anything? the need for a new payment system not based on available infrastructure or an evolution of it is marginal at best. Trivia: there is a video of Bezos telling the story of some customer sending money to buy books in the early days of Amazon hidden inside a 3.5' floppy disk. Once they received the floppy they retrieved the money and shipped the books. True or not, most things don't need nearly instant money transfer to work and that's a feature.