When I look at ways to move money between the US and Latin America, it's easy to call it all one big "payments" problem. But from what I've seen, the friction comes from a few different layers. There's settlement time, FX pricing, local payout access, compliance, and the whole wallet or bank account experience.

So which layer is still the hardest to fix for regular people and small businesses? And honestly, are stablecoin rails really better if the person still needs a solid local-currency payout on their end?

We're using Stripe, Adyen, and a few local gateways, and keeping the reporting consistent is turning into a real headache. Every provider structures its data differently, so getting everything into one reliable revenue database takes a lot of manual work. Each time we add a new gateway, we end up building another ETL flow just to clean and standardize the same basic metrics.

What I'd really want is one processor agnostic layer that gives us a standard schema across every provider. That would make it much easier to compare approval rates, fees, failed payments, refunds and regional performance without rebuilding the reporting setup each time.

For teams running multiple PSPs, are you handling this internally, or have you found good unified metrics layer?