Cryptocurrency vs fiat: which is better for cross-border transfers in 2025?

Cross-border money transfer is a vital operation for global commerce and remittances. Today, we are overwhelmed by a vast variety of systems for transferring funds, whether it be through traditional fiat-based systems like banking networks and SWIFT, or cryptocurrency and blockchain networks. Every option has its pros and cons, on speed, cost, accessibility and security. While blockchain-based crypto transfers offer users speed and low fees, fiat channels benefit from established infrastructure and regulatory backing. Throughout this article, we will compare the differences in approach through the key areas outlined below, to help you decide which best suits your transfer needs.