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Less commonly used, but significantly less expensive:
Non-custodial, KYC-Free, LN-based gateways that use LN:
Kenya: Tando.me
Tanzania: Chapsmart.com
Ghana: Bitspenda.app
Thailand: Plebqr.com
Brazil: Nostrpix #894453
Mexico: https://www.swapido.com/en
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I mean the financial channels that are commonly used for remittances have transactions costs that are quite high.
Lightning would already be much cheaper and most people aren't using it.