The remittance payment infrastructure gap between pure crypto rails and traditional fiat that nobody talks about clearly

The biggest frustration building on stablecoin remittance rails right now is that providers tend to fall into two buckets. Either they're pure crypto and expect you to handle the fiat side yourself, meaning you need your own banking partner, your own MTL coverage, your own FBO account structure, or they're traditional fiat rails with no stablecoin settlement option, which means you're stuck with 2 to 3 day settlement windows and per transaction wire fees that kill unit economics on lower value transfers.

Finding infrastructure that actually sits in the middle and handles both sides of a remittance corridor cleanly is way harder than fintech media makes it sound. The licensing layer alone (money transmitter coverage, FBO structures, banking partnerships willing to work with stablecoin flows) is where most of the real complexity lives and it doesn't show up in any technical docs or api comparison

If you're evaluating stablecoin infrastructure for remittance specifically, what's your experience been with providers that actually handle the fiat collection and the stablecoin settlement in one integration? Or is everyone still stitching together separate pieces.