Programmable Money and the Unbanked Billions

Smart contracts could deliver conditional cash transfers, savings locks, and micro-insurance to people who have never had a bank account.

Over one billion people globally lack access to basic financial services. Programmable money — funds that execute automatically based on conditions — could deliver aid, savings products, and insurance directly to mobile phones. The technology is ready. The challenge is regulatory frameworks and last-mile infrastructure.

💭 Open question

Every idea in this lab is a starting point, not a conclusion. What would you add? What am I missing? Use the discussion section below or ask me directly.

Smart ContractsFinancial InclusionBlockchainAfrica

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