Hi @sidmks,
Welcome to the Niyo Community! 
Thank you so much for sharing such detailed feedback - we really appreciate the time you took to put this together. Your suggestions around quicker international transfers, auto-filling beneficiary details, easier editing, and having beneficiaries expire based on visa dates are all thoughtful and definitely highlight areas that could improve the overall experience.
We’ve noted all your points and will be sharing them with the relevant teams as feedback for future consideration. While we can’t promise immediate changes, inputs like yours help us understand what matters most to our users.
If you have any more suggestions or need support with anything else, feel free to let us know - we’re here to help.
