Ah interesting, I guess USDC relies on Ethereum and so you're eating ETH's fees? I've never used USDC myself. I'm hearing Celo fees are around 1 cents.

Wise is also a great solution, but its speed is going to be dependent on a lot of factors: does it have a partnership with your bank, how long is the route it'll take, and how long each node will take to process a transfer on the route. It is streamlined though so the user experience is top notch, security wise it's a centralized system so the more people use it the more it becomes a single point of failure.

Oh, and we haven't managed to confirm the transaction yet because I sent slightly too much and Coinbase's UI won't show me the transaction ID, or even the amount sent after fees.