[everfree]

> People need to look outside of the USA to understand the state of the art.

And yet people need only to look down at their smartphone, no matter where in the world they are located, to understand the state of the art in public ledgers.

[SideburnsOfDoom]

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.

[everfree]

Looks like it's not available in my country.

[SideburnsOfDoom]

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.