Well in the EU you get instant free payments through SEPA and the US is trying to implement something similar with FedNow. Doesn’t solve the cross border issues, but Wise does once you can get the money on Wise. I get paid in dollars via ACH and they become euros real fast once I see them in my account. 1000 dollars converted is just under 3 dollars in fees and then the transfer from Wise to any other SEPA account is free and instant.

Now crypto could very well make this all even smoother worldwide but unfortunately we have governments and they like to see what’s going on. So no reputable merchants will ever be able to take XMR payments in most countries.