Yes, there's a big opportunity. But U.S. customer-facing financial companies - especially startups - have been really bad at doing stuff outside the U.S.

Witness the darling Square getting its lunch eaten by iZettle and Paypal (!) even in the UK, to say nothing of rest of Europe, to say nothing of rest of the world.

Everyone and their dog has been trying to solve remittances with technology at least since Stephenson wrote Cryptonomicon. Ultimately it's much less a tech problem than a human problem.