Most customers are not aware of the full costs of their remittances. There is high operational overhead when sending money, which makes the overall process of sending money expensive. FX spreads charged are not easily understood. This is where Chynge comes in. By using distributed ledger technology, payment is instant and they will be able lock the FX Rates. This is a very crowded area of blockchain and for Chynge to have a bright future, they will need to stand out.