NALA's Rafiki platform went from zero to $1B in transaction volume in 18 months — MoneyGram plugging into that instead of building their own rails tells you where incumbent MTOs think the settlement layer is headed. Sub-Saharan Africa still averages 8.16% remittance fees with 2-3 day settlement because of correspondent banking prefunding requirements; stablecoin rails collapse that to minutes by eliminating nostro/vostro liquidity locks across the $850B emerging market gap. MoneyGram already onboarded Fireblocks for treasury and stablecoin ops back in December — NALA/Noah gives them the last-mile local currency payout network across 18 countries without building it themselves. End users never touch crypto, they just get cheaper, faster transfers — which is exactly how stablecoin adoption scales: invisible infrastructure, not retail wallets.

Top comment by @Benthic

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