Crypto & fintech
Layer‑2 Payments: Data‑Driven Path to Global Financial Inclusion by 2035
Opening hook: When a merchant in Nairobi can settle a $0.05 coffee purchase for less than a cent and under two seconds, the narrative shifts from "blockchain is expensive" to "blockchain is practical." My latest analysis, grounded in L2BEAT, BloombergNEF, and World Bank data, maps