None of them work cross-border. And one suspects the US Government is working very hard to make sure they never do (look at the money laundering accusations against the Brazilian system for a recent example).
“Reaffirm UN SDG: Global average cost of sending $200 remittance to be no more than 3% by 2030, with no corridors with costs higher than 5%” “75% of cross-border remittance payments in every corridor to provide availability of funds for the recipient within one hour of payment initiation and for the remainder of the market to be within one business day, by end-2027” “More than 90% of individuals (including those without bank accounts) who wish to send or receive a remittance payment to have access to a means of cross-border electronic remittance payment by end-2027”
[1] https://www.fsb.org/work-of-the-fsb/financial-innovation-and...