Can NEAR Protocol Replace Western Union?

Payment networks like Visa (NYSE: V) and Mastercard (NYSE: MA) not only have the resources to adapt to changing technology (as they are among the largest companies in the world by market cap), but they are also actively engaging with cryptocurrency and exploring ways to incorporate it into their business models. In forecasting the industries and companies that cryptocurrencies can eventually disrupt and replace, let's start with an incumbent in the legacy money-transfer industry, Western Union (NYSE: WU). Here's why NEAR Protocol (CRYPTO: NEAR) could replace the 171-year-old money-transfer mainstay.