My LinkedIn post explores a remittance journey in which a beneficiary receives usable local-currency value in a wallet connected to a payment card.
The interface is only part of the model. The architecture needs partner arrangements for the wallet and card, FX handling, customer and transaction controls, financial postings, treasury, and reconciliation.
Follow every movement
Separate collection, conversion, beneficiary credit, card spending, withdrawal, and settlement. Define the provider evidence and financial effect for each stage.
Establish the business model
Availability, permitted services, economics, and customer protections depend on the corridor and the providers involved. Treat the idea as an implementation model to evaluate with the relevant regulated partners, rather than a promise of universal instant access.