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people need to get paid somehow.
Eliminate the need for people between sender and recipient, and you no longer have people needing "to get paid somehow".
The AML/KYC requirements along with capital and currency controls are major contributors that make operating a remittance service so expensive.
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Nothing wrong with paying 3% to send someone some money - people need to get paid somehow. The problem, of course, is that usually these fees are 10% plus - with 25% not uncommon.