When might we see mainstream Bitcoin-based remittance that feels seamless for users and matches today’s experience for (a) bank-to-bank and (b) cash-to-cash transfers?

The simplest answer for this is once Bitcoin has full-legal coverage in both the sending and the receiving country.

The technological bit is ready for many money-transfer companies. The legal is not. Large banks have yet to implement the technology that will allow Bitcoin to be added to their banking & payment rails.

However, this does not mean it is not happening. In a crude sense, quite a few companies are already providing this service:

Two examples that comes to mind are:

• Rebit
• BitPesa