#sma Millions of workers around the world send money home to support their families—and every dollar counts. But sending money across borders remains surprisingly expensive.

Imagine this: sending $200 to Tanzania can cost $115 in fees. That's more than half before it even arrives. Turkey? $53. Senegal? $35.

This is not a mistake—it's the system working as it was designed. A handful of large banks control the flow and charge what they want. It’s slow, expensive, and against everyday people.

Even "low-cost" transfers like $16 to send $200 to Switzerland or Sweden are outrageous. If you've ever used an L2 of Ethereum or Solana, you know that something better is possible—$100,000 in stablecoins can move in seconds for less than a cent.

The legacy banking system simply isn't built for the future. The way forward is with better, faster, and cheaper technology. Banks can resist cryptocurrencies and fall behind—or adapt and compete in a new era of global payments.#SouthKoreaCryptoPolicy