Money transfers aren't setting the value of crypto. They don't meaningfully affect the supply and demand, since the goal of a transfer is generally to hold the crypto for as short of a period as possible, to minimize price fluctuation risk -- so supply and demand are balanced without changing the price.
Here are some use cases that give it a non-zero value:
It competes with Western Union for money transfers.
It provides ways to transfer money to places and for things the US government doesn't approve of.