Money is just accounting. Making sure balances are in sync on sender and receiver's end. People don't have problems sending money from A to B. I fail to see the application here. I don't think money is going through a transformation at all.
> People don't have problems sending money from A to B.
Respectfully, this is a deeply ignorant and factually incorrect sentence.
This indicates to me that: you have never travelled outside a limited set of highly-developed countries; never met anyone from a developing country; never had to send anyone more than $10,000; never had to send or receive money from another country; never met anyone who sends or receives remittances; never done any cross-border business transaction requiring FX conversions.
In some of the above instances, it is technically possible to send money from A to B, but only at very high cost, slowly, and with serious privacy and, at times, physical safety tradeoffs.
I would encourage you to look into how those usecases currently function, in a nuts-and-bolts way. It is ugly. A decent book on this subject is "Check Your Financial Privilege", by Alex Gladstein.
