// Hacker Noon · 24 April 2026

The CBDC Promise Isn’t Wrong. The Execution Usually Is

Smartphone penetration among the unbanked has crossed 86%, yet 1.3 billion people remain outside the formal financial system. The problem was never hardware. It's the design choices baked into digital financial infrastructure — who it's built for, what it requires to onboard, and what it punishes. C...

Hacker Noon

@hacker-noon · Vitalii Yatskiv

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