[Grustaf]

SEPA transfers cost €0, which (still) is less than $1.

[anonymoushn]

Ok, let me send dollars from the US to Japan via SEPA real quick.

[Grustaf]

You asked “where”, and the answer is “in the SEPA countries”, which at least includes most of Europe.

[anonymoushn]

Then I apologize for my imprecision! I meant "what financial institution will provide me and my counterparty this service for the currency we currently use in our current countries of residence" rather than "what pair of countries can me and my counterparty relocate to to obtain this service in at least one currency."