Meru

Meru solves a very specific problem: receiving and moving dollars from Latin America without a traditional bank. The app gives you a dollar account with a US routing number (ACH) and a European IBAN (SEPA), lets you hold your balance in yield-bearing USDC, and spend with a Visa card or withdraw cash via MoneyGram. The crypto side runs on Stellar, self-custodial. Heads up: users have recently reported slow support and withdrawal problems, so test it with small amounts first. [Describe your own testing experience here: how you used it, how long transfers took, what limitations you found.]