> has broad (and cross-border) value

I’m wondering if this is the primary use case and that’s why I don’t really get it? I see the online aspect, but it comes with a whole other set of problems that for most cases it’s hard to imagine are easier to deal with than exchanging cash. But a way to send money across borders without any controls I can see why that might be popular. Hard to tie that back to advice the AARP should be giving though.