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SEBA Bank, Lightnet Group, joint venture, Switzerland, FINMA, SEBA Bank, Memorandum of Understanding, Lightnet, Singapore, fintech, settlements, remittances, fiat currencies, settlement banking network, account, custodian, digital currencies, MTOs, money transfer operators, unbanked, fragmentation
KogoPay, wallet-to-wallet transfers, mobile wallet, QR code payment, Asia, Thailand, unbanked population, international remittance ecosystem, money transfer operators, cross-border payments, cross-border payment providers, mobile payments