Exactly why XLM continues to take off, and precisely why ADA is killing it in Africa. BTW, while the entire crypto world is bright RED,ADA is UP, YEP! UP 11% and I own it @ .09. My bank charged 35.00 for a wire fee to payoff my home, I thought it was a ripoff. I mostly do ACH transfers for ZERO fee. I send money monthly to Thailand thru "wise" and pay a tiny fee and no hit on the exchange rate....I get what the rate is, no hidden bullshit spread scam.
Now think, a lot of people don't even have that much money in other countries.