Perhaps you have not checked what Stellar Lumen can do. It can be used not only for remittances but for a whole gamut of other transactions, proving its value as a medium of exchange. Just check it out on https://stellarx.com, you will know what I am talking about. Its potential is hidden because not many people are into crypto and of those into crypto not many have fathomed its potential. As more and more dApps come on board stellar blockchain, it will become a game changer.