FXpress · AI Co-Pilot for Cross-Border Remittance · Affinity Map

Raw Observations — By Participant

Jenni

• Uses Remitly, PayPal, Xoom — chooses based on speed, not cost
• Sends every month around the 15th — fixed schedule driven by grandmother's bills
• Doesn't know what a good FX rate looks like; Googles but can't evaluate results
• Has delayed a send waiting for a better rate — then sent anyway without knowing if it improved
• Never used crypto — barrier is wallet setup and grandmother-side confusion
• Would accept crypto if grandmother never encounters it
• Wants AI recommendation but insists on approving before send
• Needs human support fallback — "someone I can call"
• Core need: show exact pesos amount before confirming

Kang

• Uses Wise, Coinbase (USDC), Bitso — financially sophisticated, multi-tool
• Checks rates before every send — has calculated the cost of sending on the wrong day
• Has delayed sends; misses better rates by sending on Friday before Monday improvements
• Has used USDC for sends to friends — but not for parents, who need clean KRW