Out of curiosity, could you describe the last-mile experience for those remittances? Once they receive it in their wallet, can they easily spend it at local mer

Out of curiosity, could you describe the last-mile experience for those remittances? Once they receive it in their wallet, can they easily spend it at local merchants, or do they need to convert it to an account in the local currency? If the latter, what prevents the account’s bank from receiving a transfer?