Universal Pain (all regions)

Across all markets, users face:

• High FX conversion fees (hidden or unclear, double conversion commission when paying in foreign currencies)
• Bank card blocks abroad (sanctions, card not enabled for international payments, Foreign transaction flagged as suspicious)
• 2–5 day international transfers
• Account freezes when traveling (banks and services like PayPal or Wise use fraud detection systems and may freezer your account when you a abroad and from other IP)
• Limited access to banking when relocating (long and difficult princess to open a local bank account)
• Dependence on multiple intermediaries (banks, apps, processors)

United States — High-cost but functional system

Main pain:

• Expensive international transfers (fees + FX spread)
• Banking friction when traveling abroad
• Card declines in “high-risk” countries
• Slow global transfers despite modern fintech

Emotional trigger:

“I have money, but I can’t always use it globally.”

Why Tangem Pay fits:

• Spend directly while traveling
• Avoid FX-heavy banking systems
• Reduce dependency on traditional transfer rails