Seeing some tweets comparing Lightning-based cross-border payment apps to Ripple’s On-Demand Liquidity product (with XRP). More players focused on this problem is a good thing for the industry IMO but let’s clear up some misconceptions:
Keep in mind that using digital assets is one* component of the ODL solution. 1/ Our team has built expertise in markets against super hard fiat destination currencies (PHP, MXN, etc) - we solved the challenges w/ liquidity to ramp up hundreds of customers over the years.
Crypto markets have historically been more volatile than fiat, and delivering reliable FX rates w/ crypto liquidity takes time to hone and perfect. As liquidity grows, the entire market becomes more efficient / cheaper to serve the long-tail of destinations that need it most. 
2/ Fiat on and off ramps are no simple task - finding and integrating reliable receivers for payouts who want to work with crypto is very difficult. We have 20+ ODL markets open and are continuing to push on this lead. We're also building redundancy in core markets.
3/ Regulatory concerns - no surprise here that there are countries where it takes YEARS to get regulators comfortable with crypto.
Swapping just the cryptocurrency part of the solution is like suggesting that GM just use an Energizer battery and is ready to compete w/ Tesla. 😂 There’s a lot more to consider here.
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