I have a simple question. Let's say person A wants to send person B $100 through metal. Do they have to operate in crypto? or will there be an option to just use fiat on both ends? If so, how does this work, does the platform convert the $100 behind the scenes to some intermediate crypto and then converts it back immediately on the other end? If so, what happens if that intermediate crypto fluctuates in the time of the transaction? Thanks!