Stablecoin Remittance Will Kill Western Union Before DeFi Replaces Banks Hot take, but I think the first real disruption from crypto won’t be “replacing banks” — it’ll be killing remittance giants. Think about it: Right now, sending money internationally through traditional services can mean: * 5–10% fees * Multi-day settlement * Limited access depending on region Now compare that with stablecoins like USDT/USDC: * Near-instant transfers * Fees that are basically negligible (especially on cheaper chains) * Borderless by default This isn’t theoretical anymore—people are already using it in real remittance corridors. And unlike most DeFi use cases, this solves a **real, everyday problem**. But here’s the catch… If it’s *that* good, why hasn’t it already taken over? Is it: * Regulation slowing things down? * On/off ramp friction? * UX still too complicated for non-crypto users? * Or just lack of awareness?…