Interesting, thanks for the explanation.. Here where I am located I can accept payments in any currency on my business account in bank institution and spend them right away, but maybe I'm just lucky with location.
Our regular transaction account with our real bank can receive USD just fine, but it will convert into AUD upon receipt, and spent as AUD with the attached debit card.
It's more effective to be able to spend USD directly, as needed.
Wise's offering (and others like it: OFX, Airwallex, Revolut) offer ACH, FedWire, Wire transfer, and a Debit card.