Ben Kuhn on March 30, 2022 People sometimes ask us whether Wave uses cryptocurrency or blockchain technology. An important part of the cryptocurrency narrative is that it can help financial inclusion—after all, it’s a way to put your money on a computer, with no legacy banks or regulators acting as gatekeepers. Surely that’s what we need, right? Unfortunately, in reality, cryptocurrency doesn’t address the hard parts of financial inclusion. To see why, let’s look at the different problems that W...