How would this be different than me getting a TransferWise account and getting access to global instant payment rails they plug into (UPI [India], Pix [Brazil], SEPA [Europe], etc)?

International instant payment network map: https://www.pymnts.com/wp-content/uploads/2025/05/PYMNTS-Rea...

Faster and safer instant euro payments become a reality - https://news.ycombinator.com/item?id=45532280 - October 2025

[US] FedNow Is Live - https://news.ycombinator.com/item?id=36801491 - July 2023

Venmo and Paypal users will also send money to each other now using an alias starting in November 2025.

Venmo and PayPal users will be able to send money to each other - https://news.ycombinator.com/item?id=45427088 - September 2025

Maybe I'm missing the value prop?