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I don't think this is a case anymore Taavet. Banks have seen a huge dip in international remittances since the Dodd-Frank act and explosion of online remittance services. It is no longer a money making business for them, it is just an added service for their customers. So it is quite possible they pull the plug soon. Hope it won't be like what Microsoft and Google did to Dropbox for cloud storage.

Many services in US like Venmo, SquareCash and Facebook who offer domestic remittances support paying over debit cards. I believe you do that too with Adyen in some countries. But why not US?

Taavet, thanks for your time. What are the challenges for TransferWise to be as mobile friendly as other services like Xoom?