Cash-based crypto can enable financial inclusion for billions

Opinion by: Alexander Guseff, founder and CEO of Tectum

Crypto companies have spent years pushing digital wallets and exchange apps, convinced they’ll bring financial inclusion to the world. Here’s the reality: 1.4 billion people remain unbanked, and crypto adoption has barely exceeded 8%. For all the talk about decentralization and accessibility, the industry continues to overlook the billions of people who rely on cash for their daily lives.

In developing economies of Africa, South Asia and Latin America, cash is not just dominant — it’s…