Could be automated for any modern banking to reduce the steps with direct Swift transactions.

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SWIFT is a dinosaur. Bitcoin's Lightning network solves all of SWIFT's issues and failures. Instant and near zero fee cross border payments everywhere in the world. It's absolutely wild.

Now, if my employer would say, listen, it’s cheaper for us to pay in a binary currency, so be it, but to convince the average Joe to learn without anything tangible in return is a difficult pitch.

The average Joes will start moving if they see more and more ppl using clever solutions. FOMO will push them to do the right thing.

Don’t tell the xrpers 😂