Investor Myths (🟢 = validated fact / 🟡 = partly open)

# Myth we keep hearing The reality (evidence‑based) Why it matters for RemiDe
1 “Stablecoins are still fringe.” Stable‑coin circulation passed US $204 bn in H1 2025 and is already ≥ US $250 bn today (99Bitcoins, Bitget). Liquidity deep enough to settle remittances at national‑scale, day one.
2 “Regulators will shut this down.” Both the EU’s MiCA (in force since 30 Jun 2024) and the U.S. FIT 21 / GENIUS Act now give formal licensing tracks for issuers and CASPs (Financial Times, Bitget). Regulatory overhang has turned into a compliance race — RemiDe is already VASP‑licensed in BG & PL.
3 “Emerging‑market users don’t have crypto wallets.” Smart‑phone penetration > 76 % in launch corridors, and 35‑50 % of SMEs used non‑bank fintechs for cross‑border payments in 2024 (McKinsey & Company). UX hides crypto; users see only fiat in/out, killing the ‘wallet‑gap’ objection.
4 “Cost advantage over Western Union is tiny.” World Bank puts the average US $200 remittance fee at 6.26 % in 2025 Q1 (Remittance Prices Worldwide); Circle’s Félix pilot cut fees 40 % US→MX, BCRemit clears at ≈ 1 % (Circle). Live pilots prove ≥ 40 % savings that RemiDe can industrialise.
5 “Stablecoins lack off‑ramp liquidity.” USDC now redeems in USD/EUR/GBP; RemiDe’s payout MoUs cover 84 % of banked accounts across first five markets (internal). Liquidity risk moves from ‘existential’ to ‘managed’.
6 “AML/Travel‑Rule compliance can’t scale.” 99 jurisdictions have Travel‑Rule legislation in force or in flight (Notabene). Sub‑second screening APIs (Flagright < 0.5 s) are production‑grade (flagright.com). Compliance becomes an API cost‑line, not a blocker.
7 “A USDT/USDC de‑peg wipes out users.” RemiDe caps any single‑issuer exposure at 35 % and sweeps excess balances into T‑bill funds intraday (see Treasury Memo v2.2). Risk‑weighted policy, not blind faith, underwrites user funds.
8 “Incumbent fintechs can copy this in a quarter.” Tech is copyable; corridor licences, hashed‑KYC graph & pre‑funded liquidity are not. Estimated 12‑18 months to replicate. First‑mover advantage stands.
9 “Customer‑acquisition costs will stay high.” Ten‑week growth sprint dropped blended CAC to €11 and delivers €3.50 contribution margin by transaction 3 (pilot data). Unit‑economics trend positive ahead of scale funding.
10 “There’s no exit; regulators will strangle margins.” MiCA + PSD3 passporting raises the premium on regulated corridor assets; Tier‑2 banks pay 4‑7× rev for such books (Reuters). Clear M&A path, not just token valuations.

Macro & Industry Trends

Trend Hard numbers So‑what for RemiDe
Global remittances hit record $685 bn (2024) 🟢 World Bank Migration & Development Brief 40 (World Bank Blogs) Every new wallet that adds a @RemiTag converts that tide into instant TX volume.
Stable‑coin supply cleared $204 bn in Jan 2025, > $250 bn by Jul 🟢 CertiK Skynet H1 2025 (99Bitcoins) Regulatory clarity + deep float make USDC rails mainstream, not speculative.
Human‑readable handles explode 🟢 Unstoppable Domains 4.2 M (Mar 2025) (GlobeNewswire) ; ENS > 2.5 M .eth (Medium) Validates RemiDe’s alias‑first UX; fewer copy‑paste errors → lower support costs.
Remittance fees remain punitive 🟢 Global avg. 6.26 %, African corridors 7.9 % (Remittance Prices Worldwide) The ‘pain point’ (spread) investors worry about is real and monetisable.
USDC pilot cost cuts 40‑90 % 🟢 Félix & BCRemit case studies (Circle) RemiDe packages proven economics across every connected wallet.
Cross‑border payment TAM swelling 🟢 Grand View: $320 bn rev. by 2030 (Grand View Research); FXC Intel: B2B flows $31.6 T → $50 T (2032) (FXC Intelligence) Room to grow even in niche corridors.
API fatigue & fragmented ramps 🟢 BIS/CPMI warns fragmented API standards hinder X‑border efficiency (Oct 2024) (Bank for International Settlements) RemiDe’s “one‑plus‑in” model collapses the N×N integration problem.
Interoperability now strategic 🟡 FATF flags AML gaps in DeFi, urges chain‑agnostic protocols (FATF) @RemiTag + RemiNet act as universal alias & compliance rail.
Banking‑as‑a‑Service boom 🟡 BaaS market to $73 bn by 2032, 15 % CAGR (iCrowdNewswire) RemiDe becomes the cross‑border primitive every BaaS stack plugs in.
SMEs crave instant settlement 🟢 McKinsey 2024 survey: 35‑50 % of SMEs already use fintechs (McKinsey & Company) Wallet partners can ship SME FX in weeks, not years.
Travel Rule adoption critical mass 🟢 99 jurisdictions have legislation underway (Notabene) Shared compliance infra becomes a distribution advantage, not a cost.
Compliance‑as‑API hits sub‑second 🟢 Flagright avg. < 0.5 s screening (flagright.com) Matches the speed of instant‑payment rails; cap‑ex → op‑ex.
Web3 wallets morph into super‑apps 🟡 Growing surface: swaps, NFTs, ID (multiple industry reports) Every new feature is another surface to embed Send via @RemiTag.
VASPs de‑risk self‑hosted flows 🟢 EU VASPs 55 % more likely to block unhosted wallets (Notabene 2025) (Notabene) Being Travel‑Rule‑native is a go‑to‑market edge.
MiCA patchwork raises EU complexity 🟡 ESMA flags uneven supervision; only a handful of pan‑EU licences issued to date (Reuters) Unified compliance layer (RemiDe) mitigates regulatory arbitrage risk.