In general, what you need as a sender is a Stellar wallet and XLM fund. The receiver on the other hand should also have an access to an anchor , an exchange, or a crypto wallet where they can convert Stellar lumens to their local currencies.
Currently, there are numerous anchors on Stellar providing depositing of local currency, but the process of redeeming the stablecoins to fiat is vague.
Stellar still has a lot more room to grow to make this a seamless process. It is understandable as Stellar aims to be compliant, so rushing this process will only undermine Stellar’s mission.
Furthermore, it also depends a lot on money services and the national governments to dip their toes in improving their remittance services using blockchain. As we can see from the recent news, countries like India and Nigeria have both planned to ban cryptos.
Hence, you need to set your expectations properly and consider all the factors that affect Stellar’s purpose to move money easily.
For the meantime, the easiest way is to use XLM directly and send it to a platform where you can withdraw or convert it directly to your fiat. ✨