Most of the international markets are people who are not close to each other.

If I want to pay someone who is next to me, I simply give him some $ cash, rather than force him
to install another app, force him to complete a registration process, read QR codes, and so on...

Not to mention how many days or weeks it takes to exchange the NAV through the few exchanges websites which are in fact not user friendly at all

The focus should be to make it simple to send money to people from another countries.

I am not impressed at all, to say the least