Can I Remitly or Wise rates?

Wise (formerly TransferWise), Remitly, and PaySend are competitive because they have volume. If you have no volume, you cannot get the rates they get. Period. There is no debating and/or discussing this subject. 

You cannot even "REMOTELY" get the rates the larger players get, if you are a startup, why? Because you do not have the wholesale purchasing power? i.e. you do not have the necessary transaction volumes for it.

So, what are you options? Well, if price is the only differentiator and determining factor for your business, I would request that you reconsider, as the prices are falling for moving money and the margins will get tighter and thinner.