I've been using Valora for a while now and even though I discovered it through the crypto world, I use it because it solves an actual problem for me. It's been a great solution for venmo-style payments with friends in different countries.

On/off-boarding of funds to local currencies is always a challenge in the crypto space but the app supports deposits from a debit card at least. Looking forward to exchange with fiat currencies getting more streamlined over time.