They need to give realistic, or more importantly, ACTUAL competitor rates. At this moment, WAVE says WU will convert at 81.1 Kshs/$, MoneyGram at 45.3kshs/$, while WAVE will do so at 90.5 Kshs/$ but WU website shows it will convert at 90.01kshs/$. Thats a significant difference! Great service but you algorithm needs some work.