Funny. I have been able to send money cross-border relatively cheaply and relatively fast for quite some time. So yes, obviously I see value in that. But actually it has never been any kind of issue that would have even crossed my mind that it would need some fancy new solutions to enable me to do that. Would you be willing to share some more details on which kind of money transactions this is an actual unsolved problem? Where from/to are you trying to transfer the money and what are you buying/selling with that money?

There's a big problem though, we already have many ways to do that. They have flaws but they are mature and generally pretty easy to use. Cryptocurrencies are not breaking new ground, they're trying to offer an alternative. That's a very different proposition. It's not enough for cryptocurrencies to work, they have to work better than "fiat". So far I'm unimpressed.