Crypto's genuine utility lies in its enabling power for populations needing financial access, rather than purely speculative gains. High-income economists often miss this fundamental value proposition from an emerging market viewpoint.
π§ Institutional Insight
π Whales
Accumulating utility-focused layer-1s and DeFi protocols targeting emerging market financial inclusion.
π― Impact
Positive for Layer 1 crypto networks, stablecoins, and DeFi protocols addressing financial inclusion. Negative for legacy payment rails and cross-border remittance providers.
β³ Context
Amid escalating global financial fragmentation and inflation, crypto emerges as a critical alternative financial infrastructure for underserved populations.
βοΈ Market Scenarios
β‘ AI Market Deja Vu
Past Event: Mobile money adoption in emerging markets (e.g., M-Pesa in Kenya).
Reaction: Telecoms surged, traditional banking/remittance services faced disruption and competitive pressure.
Reaction: Telecoms surged, traditional banking/remittance services faced disruption and competitive pressure.
π’ Bulls Say
Crypto's fundamental value as a global, permissionless financial layer for the unbanked and underbanked secures its long-term adoption and valuation.
π΄ Bears Say
Regulatory uncertainty, scalability limitations, and persistent market volatility will restrict mass adoption, limiting its utility to niche segments.
