“The perfect solution appears to be a hybrid between the current Bitcoin remittance startups and the ubiquitous mobile-money network that currently exists only in our dreams. If we can use Bitcoin to replace SWIFT during the international part of the journey, and employ the local mobile money network as our domestic transport, then we’ve really got something. Until then, associating Bitcoin so directly with cheaper remittances is perhaps missing the point: the cryptocurrency has illuminated an even larger problem that it simply cannot solve on its own.”

https://medium.com/@Cryptonight/bitcoin-doesn-t-make-remittances-cheaper-eb5f437849fe