This problem has already been solved without cryptocurrencies, check out TransferWise or myriad other solutions. The reality is cross-border payments with cryptocurrencies are always going to be more expensive because you have to convert fiat to and from your crypto medium on both sides with a 1 to 3% fee where transfer wise charges as low as 0.85% total. Sometimes less. Not to mention volatility risk over the course of the transfer oh my.