I am worried the 3-euro flat rate is sustainable in the long run. I regularly send money with MoneyGram to family overseas in Armenia and I see that there is a lot of things happening behind the scenes for each transaction.
We've set up extremely efficient bank transfer and currency conversion infrastructure and we're profitable on every transfer, so i can assure you it's sustainable :)
Abuse and AML activity / mitigation are likely to be growing costs over time though right?
These are mostly unit costs, and they're factored into our model