Regarding "unbanked" people who are "anywhere in the world" but have " their smartphone": Cryptocurrency is not only the wrong product, but also in this case a future functionality would be the wrong time. The market gap for that has closed already due to better systems including M-PESA
As I mentioned here: https://news.ycombinator.com/item?id=39857944
The consistently ignorant rhetoric here on HN about this supposedly unserved market for cryptocurrency is discouraging. Again, people need to look outside of the USA to understand the state of the art.
I think that if you read my above comments very closely, I am advancing the idea that the state of the art is not evenly distributed, and so your comment is in agreement with that. And further, I am hinting that looking around widely to what other countries do, rather than being parochial, is a good idea.
The consistently ignorant rhetoric here on HN about this supposedly unserved market for cryptocurrency is discouraging. Again, people need to look outside of the USA to understand the state of the art.