{"id":9834,"date":"2022-06-08T22:49:00","date_gmt":"2022-06-08T19:49:00","guid":{"rendered":"https:\/\/alfacash.blog\/?p=9834"},"modified":"2024-02-19T21:50:41","modified_gmt":"2024-02-19T18:50:41","slug":"are-cryptocurrencies-path-financial-inclusion","status":"publish","type":"post","link":"https:\/\/alfacash.blog\/zh\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/","title":{"rendered":"Are cryptocurrencies the path to financial inclusion?"},"content":{"rendered":"<p>June is the month of diversity and inclusion. Therefore, today we\u2019ll analyze how cryptocurrencies can help in financial inclusion and the transformation of traditional socio-economic schemes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is financial inclusion?<\/strong><\/h2>\n\n\n\n<p>By financial inclusion, we mean <strong>the need for all people to be able to access basic and efficient financial products<\/strong>. Everyone, regardless of their economic status, gender, or nationality.<\/p>\n\n\n\n<p>Perhaps you have imagined a world where anyone has the same opportunities to develop their skills and achieve their goals. However, this isn\u2019t a reality in our society. According to <a href=\"https:\/\/globalfindex.worldbank.org\/basic-page-overview\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">World Bank data<\/a>, by 2017, around 31% of adults in the world (about 1.7 billion) didn\u2019t have a bank account or a mobile money provider to handle their fiat money.<\/p>\n\n\n\n<p>In some regions, this disparity is more pronounced than in others \u2014especially in developing countries. Bangladesh, <a href=\"https:\/\/alfacash.blog\/2021\/10\/17\/chinas-cryptocurrency-ban-how-can-affect-overseas\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u4e2d\u56fd<\/a>, India, Indonesia, Mexico, Nigeria, and Pakistan top the list.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"860\" height=\"574\" src=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data.png\" alt=\"Financial-inclusion-cryptocurrencies-data\" class=\"wp-image-9838\" srcset=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data.png 860w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-300x200.png 300w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-150x100.png 150w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-18x12.png 18w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-270x180.png 270w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-770x515.png 770w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-761x508.png 761w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-772x515.png 772w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-370x247.png 370w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-554x370.png 554w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-306x204.png 306w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-367x245.png 367w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-260x174.png 260w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Financial-inclusion-cryptocurrencies-data-87x58.png 87w\" sizes=\"auto, (max-width: 860px) 100vw, 860px\" \/><figcaption>Unbanked adult population\/ World Bank<\/figcaption><\/figure><\/div>\n\n\n\n<p><strong>In terms of gender, 51% of the unbanked are women.<\/strong> Moreover, the majority are among the poorest in their economy. Another important fact is that of the 1.7 billion unbanked, at least two-thirds own a cell phone. That\u2019s good news because technological tools such as smartphones offer financial inclusion opportunities for the unbanked. Like access to cryptocurrencies, and even to <a href=\"https:\/\/alfacash.blog\/2020\/09\/09\/how-to-make-thousands-dollars-defi\/\" target=\"_blank\" rel=\"noreferrer noopener\">DeFi products<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>They don&#8217;t need a bank to use cryptocurrencies<\/strong><\/h2>\n\n\n\n<p>A survey conducted by the U.S. Federal Reserve <a href=\"https:\/\/www.federalreserve.gov\/publications\/files\/2021-report-economic-well-being-us-households-202205.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">revealed<\/a> that 13% of people in the U.S. who use cryptocurrencies as a payment method don\u2019t have a bank account. Also, 27% of crypto users don\u2019t have access to credit cards. The study was conducted on a sample of 11,000 people between October and November 2021.<\/p>\n\n\n\n<p><strong>The requirements to open a bank account are one of the main barriers<\/strong> to entry for these people. Likewise, the credit history in traditional financial institutions plays a relevant role. Beyond this region, in some developing countries, people don\u2019t have financial institutions close to their homes. And high transaction costs at traditional institutions can have a huge impact on personal finances.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"701\" src=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-1024x701.jpg\" alt=\"Terra-UST-deadly-spiral\" class=\"wp-image-9669\" srcset=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-1024x701.jpg 1024w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-300x205.jpg 300w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-150x103.jpg 150w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-1536x1052.jpg 1536w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-18x12.jpg 18w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-263x180.jpg 263w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-752x515.jpg 752w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-742x508.jpg 742w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-370x253.jpg 370w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-554x379.jpg 554w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-306x210.jpg 306w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-358x245.jpg 358w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-260x178.jpg 260w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/05\/wooden-figure-980784_1920-87x60.jpg 87w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p>Cryptocurrencies, on the other hand, offer access <a href=\"https:\/\/www.alfa.cash\/zh\" target=\"_blank\" rel=\"noreferrer noopener\">to exchanges<\/a>, wallets, and even <a href=\"https:\/\/alfacash.blog\/2020\/10\/12\/cryptocurrency-payment-processors-legal-taxes\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u652f\u4ed8\u5904\u7406\u5546<\/a>. With cryptocurrencies, geographic location or credit history isn\u2019t an issue. Besides, fees for receiving or sending are usually low, regardless of the amount of money sent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cryptos as an active agent for financial inclusion<\/strong><\/h2>\n\n\n\n<p>Part of the discourse from traditional financial institutions focuses on the volatility of cryptocurrencies, which would make them high-risk assets. However, <strong><a href=\"https:\/\/alfacash.blog\/2020\/08\/30\/dummies-what-is-blockchain-how-it-works\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u533a\u5757\u94fe\u6280\u672f<\/a> is helping the creation of global financial infrastructure.<\/strong> Its revolutionary scope is like that of the Internet, which made it possible to democratize the creation, distribution, and access to information.<\/p>\n\n\n\n<p>Regardless of ethnicity, socioeconomic status, gender, or geographic location, anyone with network connectivity is a candidate to own cryptocurrencies. This fact is crystallizing in their adoption, which turns out to be increasing.<\/p>\n\n\n\n<p>Between June 2020 and July 2021, according to <a href=\"https:\/\/blog.chainalysis.com\/reports\/2021-global-crypto-adoption-index\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u94fe\u5206\u6790<\/a>, <strong>global cryptocurrency adoption grew by 880%.<\/strong> Among the top 20 countries with the highest cryptoassets usage, the majority are developing countries. Other economies that stand out in cryptocurrency trading are the <a href=\"https:\/\/alfacash.blog\/tag\/United-States\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u7f8e\u56fd<\/a>, Russia, and China.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"1008\" height=\"781\" src=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion.png\" alt=\"\" class=\"wp-image-9840\" srcset=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion.png 1008w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-300x232.png 300w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-150x116.png 150w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-15x12.png 15w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-232x180.png 232w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-665x515.png 665w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-656x508.png 656w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-370x287.png 370w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-554x429.png 554w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-306x237.png 306w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-316x245.png 316w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-258x200.png 258w, https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/Crypto-adoption-financial-inclusion-87x67.png 87w\" sizes=\"auto, (max-width: 1008px) 100vw, 1008px\" \/><figcaption>Global adoption of cryptocurrencies 2021\/ Chainalysis<\/figcaption><\/figure>\n\n\n\n<p>Blockchains bring a new era of flexible technologies that focus on storing and exchange of value, <a href=\"https:\/\/alfacash.blog\/2022\/04\/23\/whats-lightning-network-how-use-it-instant-payments\/\" target=\"_blank\" rel=\"noreferrer noopener\">instant micropayments<\/a>, decentralized lending, <a href=\"https:\/\/alfacash.blog\/2021\/02\/06\/new-ways-passive-income-crypto-staking-liquidity-mining\/\" target=\"_blank\" rel=\"noreferrer noopener\">passive income<\/a>, etc. Blockchain-based services could become large-scale economic solutions that solve the problem of financial inclusion worldwide. However, there are still challenges to overcome for this to happen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Challenges in achieving inclusion with cryptos<\/strong><\/h2>\n\n\n\n<p>All systems require organic evolution to function and become stronger and stronger. This is also the case with cryptocurrencies. The <a href=\"https:\/\/alfacash.blog\/2020\/09\/20\/price-bitcoin-5-times-people-thought-was-dead\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bitcoin\u7684\u4ef7\u683c<\/a>, for example, can currently be volatile, due to market speculation. But, as many more people adopt it as a method of payment, this volatility will decrease.<\/p>\n\n\n\n<p>The narrative endorsed by traditional financial institutions points to cryptos being used merely for <a href=\"https:\/\/alfacash.blog\/2022\/02\/19\/5-crypto-scams-looking-victims-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">criminal acts<\/a>. However, <strong>from 2017 to 2020, the use of cryptoassets for financial crimes was only 1%<\/strong> [<a href=\"https:\/\/go.chainalysis.com\/2022-Crypto-Crime-Report.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u94fe\u5206\u6790<\/a>].<\/p>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-1024x678.jpg\" alt=\"\u95ee\u9898-\u52a0\u5bc6\u652f\u4ed8-\u6ce2\u52a8\u6027\" class=\"wp-image-5671\" srcset=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-1024x678.jpg 1024w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-300x199.jpg 300w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-150x99.jpg 150w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-18x12.jpg 18w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-270x180.jpg 270w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-770x510.jpg 770w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-767x508.jpg 767w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-777x515.jpg 777w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-370x245.jpg 370w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-554x367.jpg 554w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-306x203.jpg 306w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-260x172.jpg 260w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280-87x58.jpg 87w, https:\/\/alfacash.blog\/wp-content\/uploads\/2020\/09\/magnifier-5245329_1280.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p>Likewise, their transparency allows for greater security. The case of Silk Road (the largest darknet marketplace that operated until 2013) is a great example. The traceability of transactions on the Bitcoin network made it possible <a href=\"https:\/\/blog.chainalysis.com\/reports\/silk-road-doj-seizure-november-2020\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">to trace<\/a> the flow of illicit funds traded on the platform.<\/p>\n\n\n\n<p>In addition, the distributed design of the blockchains makes them much more robust systems than any used by traditional financial institutions. But, as new as they are, <strong>the lack of proper regulations is another challenge<\/strong>. Luckily, <a href=\"https:\/\/alfacash.blog\/2022\/03\/20\/overview-new-crypto-regulations-worldwide-2022\/\" target=\"_blank\" rel=\"noreferrer noopener\">many countries<\/a> are including these assets in their legal plans already.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>First education, then inclusion<\/strong><\/h2>\n\n\n\n<p>To achieve financial inclusion with cryptocurrencies isn\u2019t enough just to want it. What is certain is that financial education <a href=\"https:\/\/alfacash.blog\/es\/2022\/04\/10\/things-crypto-needs-more-adoption-thoughts\/\" target=\"_blank\" rel=\"noreferrer noopener\">is first needed<\/a> to enlighten (not only the unbanked) about the need for democratic and <a href=\"https:\/\/alfacash.blog\/2022\/03\/18\/what-decentralization-why-important\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u53bb\u4e2d\u5fc3\u5316<\/a> economic systems.<\/p>\n\n\n\n<p>Otherwise, situations like the one in El Salvador, for example, could repeat. Despite Bitcoin having been legal tender <a href=\"https:\/\/alfacash.blog\/2021\/06\/09\/el-salvador-new-legal-paradise-bitcoin-mining\/\" target=\"_blank\" rel=\"noreferrer noopener\">since 2021<\/a> and the government spreading its adoption, citizens are still distrustful of the system. <strong>Most Salvadorans prefer to use the dollar rather than cryptos \u2014because they know little about it.<\/strong> This was pointed out by <a href=\"https:\/\/www.disruptiva.media\/los-salvadorenos-opinan-sobre-la-ley-de-bitcoin-aceptan-y-reciben\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">a survey<\/a> conducted in July 2021 in the country.<\/p>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-1024x682.jpg\" alt=\"\u8428\u5c14\u74e6\u591a-Bitcoin-\u5929\u5802\" class=\"wp-image-7482\" srcset=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-1024x682.jpg 1024w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-scaled-150x100.jpg 150w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-scaled-260x173.jpg 260w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-scaled-87x58.jpg 87w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-300x200.jpg 300w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-scaled-18x12.jpg 18w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-scaled.jpg 270w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-770x513.jpg 770w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-763x508.jpg 763w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-774x515.jpg 774w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-370x246.jpg 370w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-554x369.jpg 554w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-306x204.jpg 306w, https:\/\/alfacash.blog\/wp-content\/uploads\/2021\/06\/palacio-nacional-486213_1280-368x245.jpg 368w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p>Perhaps, if you are in a country where contactless technology and 5G networks aren\u2019t a novelty, access to financial solutions may be a no-brainer. Otherwise, if you live in a rural area, it may seem impossible.<\/p>\n\n\n\n<p>However, the truth is that if you have access to this article, you have some Internet connectivity. That already allows you to be part of the crypto ecosystem and access a new decentralized world with financial inclusion.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p class=\"has-text-align-center\"><em>Wanna trade\u00a0BTC, ETH, and other tokens? You can do it<\/em>\u00a0<em>\u5b89\u5168\u5730\u00a0<a href=\"https:\/\/www.alfa.cash\/buy\/bitcoin\" target=\"_blank\" rel=\"noreferrer noopener\">\u5728Alfacash\u4e0a<\/a>\uff01\u5e76\u4e14\u4e0d\u8981\u5fd8\u8bb0\u6211\u4eec\u5728\u793e\u4ea4\u5a92\u4f53\u4e0a\u8c08\u8bba\u8fd9\u4e00\u70b9\u4ee5\u53ca\u8bb8\u591a\u5176\u4ed6\u4e8b\u60c5\u3002<br><br><\/em><a href=\"https:\/\/t.me\/AlfacashCommunity\" target=\"_blank\" rel=\"noreferrer noopener\">\u7535\u62a5<\/a>\u00a0*\u00a0<a href=\"https:\/\/www.facebook.com\/alfacashstore\" target=\"_blank\" rel=\"noreferrer noopener\">\u8138\u4e66<\/a>\u00a0*\u00a0<a href=\"https:\/\/www.instagram.com\/alfacashstore\" target=\"_blank\" rel=\"noreferrer noopener\">Instagram\u7684<\/a>\u00a0*\u00a0<a href=\"https:\/\/www.youtube.com\/channel\/UCOl4fdRHj8AseQ5b6z9udaw\" target=\"_blank\" rel=\"noreferrer noopener\">YouTube<\/a>\u00a0*\u00a0<a href=\"https:\/\/twitter.com\/AlfacashStore\" target=\"_blank\" rel=\"noreferrer noopener\">\u63a8\u7279<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.<\/p>","protected":false},"author":11,"featured_media":9842,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[50],"tags":[287,162,43,61,480,492],"class_list":{"0":"post-9834","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-analysis","8":"tag-adoption","9":"tag-banks","10":"tag-bitcoin","11":"tag-cryptocurrencies","12":"tag-education","13":"tag-financial-inclusion"},"featured_image_src":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","author_info":{"display_name":"Zuleika Salgado","author_link":"https:\/\/alfacash.blog\/zh\/author\/zuleika\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v25.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are cryptocurrencies the path to financial inclusion? - alfa.cash blog<\/title>\n<meta name=\"description\" content=\"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alfacash.blog\/zh\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are cryptocurrencies the path to financial inclusion?\" \/>\n<meta property=\"og:description\" content=\"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alfacash.blog\/zh\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\" \/>\n<meta property=\"og:site_name\" content=\"alfa.cash blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/alfacashstore\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-08T19:49:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-19T18:50:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2123\" \/>\n\t<meta property=\"og:image:height\" content=\"1120\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Zuleika Salgado\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AlfacashStore\" \/>\n<meta name=\"twitter:site\" content=\"@AlfacashStore\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\"},\"author\":{\"name\":\"Zuleika Salgado\",\"@id\":\"https:\/\/alfacash.blog\/#\/schema\/person\/ff88ff93f42db9a00171fdf39399dd05\"},\"headline\":\"Are cryptocurrencies the path to financial inclusion?\",\"datePublished\":\"2022-06-08T19:49:00+00:00\",\"dateModified\":\"2024-02-19T18:50:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\"},\"wordCount\":963,\"publisher\":{\"@id\":\"https:\/\/alfacash.blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg\",\"keywords\":[\"Adoption\",\"Banks\",\"bitcoin\",\"cryptocurrencies\",\"Education\",\"Financial Inclusion\"],\"articleSection\":[\"Analysis\"],\"inLanguage\":\"zh-CN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\",\"url\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\",\"name\":\"Are cryptocurrencies the path to financial inclusion? - alfa.cash blog\",\"isPartOf\":{\"@id\":\"https:\/\/alfacash.blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg\",\"datePublished\":\"2022-06-08T19:49:00+00:00\",\"dateModified\":\"2024-02-19T18:50:41+00:00\",\"description\":\"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.\",\"breadcrumb\":{\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage\",\"url\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg\",\"contentUrl\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg\",\"width\":2123,\"height\":1120,\"caption\":\"Cryptocurrencies-path-financial-inclusion\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alfacash.blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Are cryptocurrencies the path to financial inclusion?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alfacash.blog\/#website\",\"url\":\"https:\/\/alfacash.blog\/\",\"name\":\"Alfacash Blog\",\"description\":\"Alfacash blog is about Crypto, Bitcoin, Ethereum, DeFi\",\"publisher\":{\"@id\":\"https:\/\/alfacash.blog\/#organization\"},\"alternateName\":\"alfacash.blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alfacash.blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-CN\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/alfacash.blog\/#organization\",\"name\":\"Alfacash Blog\",\"alternateName\":\"alfacash.blog\",\"url\":\"https:\/\/alfacash.blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\/\/alfacash.blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2024\/02\/Transparent.svg\",\"contentUrl\":\"https:\/\/alfacash.blog\/wp-content\/uploads\/2024\/02\/Transparent.svg\",\"width\":696,\"height\":696,\"caption\":\"Alfacash Blog\"},\"image\":{\"@id\":\"https:\/\/alfacash.blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/alfacashstore\",\"https:\/\/x.com\/AlfacashStore\",\"https:\/\/t.me\/AlfacashCommunity\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/alfacash.blog\/#\/schema\/person\/ff88ff93f42db9a00171fdf39399dd05\",\"name\":\"Zuleika Salgado\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\/\/alfacash.blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5f3cadd823f7f600b2ecff542fd5ba331d7b9495b7550367d2368e101e490730?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5f3cadd823f7f600b2ecff542fd5ba331d7b9495b7550367d2368e101e490730?s=96&d=mm&r=g\",\"caption\":\"Zuleika Salgado\"},\"description\":\"Working to make a decentralized world. Philologist and psychology student. I have been writing about cryptocurrencies since 2017. Literature, coffee, and cryptos.\",\"url\":\"https:\/\/alfacash.blog\/zh\/author\/zuleika\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Are cryptocurrencies the path to financial inclusion? - alfa.cash blog","description":"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alfacash.blog\/zh\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/","og_locale":"zh_CN","og_type":"article","og_title":"Are cryptocurrencies the path to financial inclusion?","og_description":"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.","og_url":"https:\/\/alfacash.blog\/zh\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/","og_site_name":"alfa.cash blog","article_publisher":"https:\/\/www.facebook.com\/alfacashstore","article_published_time":"2022-06-08T19:49:00+00:00","article_modified_time":"2024-02-19T18:50:41+00:00","og_image":[{"width":2123,"height":1120,"url":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","type":"image\/jpeg"}],"author":"Zuleika Salgado","twitter_card":"summary_large_image","twitter_creator":"@AlfacashStore","twitter_site":"@AlfacashStore","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#article","isPartOf":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/"},"author":{"name":"Zuleika Salgado","@id":"https:\/\/alfacash.blog\/#\/schema\/person\/ff88ff93f42db9a00171fdf39399dd05"},"headline":"Are cryptocurrencies the path to financial inclusion?","datePublished":"2022-06-08T19:49:00+00:00","dateModified":"2024-02-19T18:50:41+00:00","mainEntityOfPage":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/"},"wordCount":963,"publisher":{"@id":"https:\/\/alfacash.blog\/#organization"},"image":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage"},"thumbnailUrl":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","keywords":["Adoption","Banks","bitcoin","cryptocurrencies","Education","Financial Inclusion"],"articleSection":["Analysis"],"inLanguage":"zh-CN"},{"@type":"WebPage","@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/","url":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/","name":"Are cryptocurrencies the path to financial inclusion? - alfa.cash blog","isPartOf":{"@id":"https:\/\/alfacash.blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage"},"image":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage"},"thumbnailUrl":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","datePublished":"2022-06-08T19:49:00+00:00","dateModified":"2024-02-19T18:50:41+00:00","description":"Let\u2019s learn how cryptocurrencies help financial inclusion and democratize access to efficient and global financial solutions.","breadcrumb":{"@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/"]}]},{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#primaryimage","url":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","contentUrl":"https:\/\/alfacash.blog\/wp-content\/uploads\/2022\/06\/01-blog.jpg","width":2123,"height":1120,"caption":"Cryptocurrencies-path-financial-inclusion"},{"@type":"BreadcrumbList","@id":"https:\/\/alfacash.blog\/2022\/06\/08\/are-cryptocurrencies-path-financial-inclusion\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alfacash.blog\/"},{"@type":"ListItem","position":2,"name":"Are cryptocurrencies the path to financial inclusion?"}]},{"@type":"WebSite","@id":"https:\/\/alfacash.blog\/#website","url":"https:\/\/alfacash.blog\/","name":"Alfacash Blog","description":"Alfacash blog is about Crypto, Bitcoin, Ethereum, DeFi","publisher":{"@id":"https:\/\/alfacash.blog\/#organization"},"alternateName":"alfacash.blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alfacash.blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-CN"},{"@type":"Organization","@id":"https:\/\/alfacash.blog\/#organization","name":"Alfacash Blog","alternateName":"alfacash.blog","url":"https:\/\/alfacash.blog\/","logo":{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/alfacash.blog\/#\/schema\/logo\/image\/","url":"https:\/\/alfacash.blog\/wp-content\/uploads\/2024\/02\/Transparent.svg","contentUrl":"https:\/\/alfacash.blog\/wp-content\/uploads\/2024\/02\/Transparent.svg","width":696,"height":696,"caption":"Alfacash Blog"},"image":{"@id":"https:\/\/alfacash.blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/alfacashstore","https:\/\/x.com\/AlfacashStore","https:\/\/t.me\/AlfacashCommunity"]},{"@type":"Person","@id":"https:\/\/alfacash.blog\/#\/schema\/person\/ff88ff93f42db9a00171fdf39399dd05","name":"Zuleika Salgado","image":{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/alfacash.blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5f3cadd823f7f600b2ecff542fd5ba331d7b9495b7550367d2368e101e490730?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5f3cadd823f7f600b2ecff542fd5ba331d7b9495b7550367d2368e101e490730?s=96&d=mm&r=g","caption":"Zuleika Salgado"},"description":"Working to make a decentralized world. Philologist and psychology student. I have been writing about cryptocurrencies since 2017. Literature, coffee, and cryptos.","url":"https:\/\/alfacash.blog\/zh\/author\/zuleika\/"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/posts\/9834","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/comments?post=9834"}],"version-history":[{"count":3,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/posts\/9834\/revisions"}],"predecessor-version":[{"id":10039,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/posts\/9834\/revisions\/10039"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/media\/9842"}],"wp:attachment":[{"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/media?parent=9834"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/categories?post=9834"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alfacash.blog\/zh\/wp-json\/wp\/v2\/tags?post=9834"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}