[zinekeller]

I'm not saying that M-Pesa is perfect but

1) I mentioned M-Pesa because it is the largest one in Africa. There are also smaller players there.

2) While there are problems that is specific to M-Pesa or even conventional currency, looking at the landscape of cryptocurrencies some problems, which in my opinion is inherent in how do you define value, are problems that even cryptocurrency has fallen trap into.