[psv1]

> does it work equally fast and cheap when you send money to japan or australia?

Of course not. Not that I've ever had to do that in my entire adult life.

> a popular exchange like binance offers hundreds of coins and certainly all of the major ones, and probably more than any bank can offer. If you need one that is not in their list then you must be looking at a very weird merchant.

Decentralisation at its finest.