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I've been using Valora for a while now and even though I discovered it through the crypto world, I use it because it solves an actual problem for me. It's been a great solution for venmo-style payments with friends in different countries.

On/off-boarding of funds to local currencies is always a challenge in the crypto space but the app supports deposits from a debit card at least. Looking forward to exchange with fiat currencies getting more streamlined over time.

Valora made it easy for me to donate to a typhoon relief effort - https://doni.app/c/36/. The onboarding flow is well thought through. Valora is the first app that for me, feels like a crypto currency system that's usable by normal people. I suggest checking it out if you've interested in crypto but haven't given it a try yet.