M-Pesa exists: https://en.wikipedia.org/wiki/M-Pesa https://en.wikipedia.org/wiki/M-Pesa Crypto/Bitcoin is frequently touted as a solution for banking the unba

M-Pesa exists: https://en.wikipedia.org/wiki/M-Pesa https://en.wikipedia.org/wiki/M-Pesa Crypto/Bitcoin is frequently touted as a solution for banking the unbanked. But the transaction fees alone make the technology useless for that. Existing solutions like M-Pesa are widely adopted and work. They don't even have to make up new currencies to use it.