Many conversations on crypto include financial inclusion, accessibility services, and the unbanked. But, the details may remain somewhat fuzzy — the people who talk about crypto are generally those already inside the financial system. People are active in promoting financial inclusion for all those who want to have easy access to the services they offer. Unbanked and underserved.

Different purposes will be served by different central bank digital currencies (CBDC). CBDC will not be in high demand retail. But, CBDC may help to improve basic economic opportunities and increase prosperity.