I genuinely do not understand many of the baseless assertions that you are spreading as truth. You keep on mentioning that financial services are restricted to the elite in "Africa". I come from Kenya and we have been paying for everything using mobile money for more than a decade now. The truth is the same for many east and southern african countries. My genuine concern is that a cryptocurrency isn't necessary in this case, just a digitized version of the currency will work just fine despite the country in question. I have serious doubts about this.