in many of these emerging markets there are more cell phones than people. Banks cannot afford to serve them so crypto- currency is the only option and the best option. Two farmers can trade on the spot with no bank, no one taking a cut or getting interest on the bridge credit, zero cost and takes seconds. The real value of crypto has just scratched the surface. I don't know what the % is, but I'm guessing that over 80% of the world do not have bank accounts. It feels like dark times when you watch the news and see what the Central Banks are doing, but is that out of desperation because they know they are about to get bypassed on a global basis. Feels like there is a light at the end of the tunnel to me.