- ACH fees are pretty small, depends on the payroll provider of course, so USD ACH transfer to Wise is pretty much free

- I bet with whatever way I can convert the stable coin to my local currency (EUR), that it will be more expensive than Wise. Certainly Paypal is really expensive (as in SWIFT transfer would be better)

After ACH, which I’m assuming you got for free as you mentioned, US to Poland for 1000 USD on Wise is still 0.46% which is multiple orders of magnitude more expensive.