Crypto Twitter thinks money is about max risk, memes, zero UX for people who actually need safer money.
The real story is much quieter: people are quietly rerouting how savings and salaries move through the world.

Slow growth. Sticky inflation.
In a lot of countries, the local currency is the bug, not the feature.

UN data says 3+ billion people live in countries with double-digit inflation over the last decade.
Deloitte estimates migrants pay ~$48B a year in remittance fees just to move money home.

So what do people do?
They hold USD on Telegram.
They use stablecoins as savings accounts.
Chainalysis estimates that in many emerging markets, stablecoins now make up the majority of on-chain transaction volume (Geography of Cryptocurrency Report 2023).

For them, FX is a settings menu inside Binance/Wise/Revolut, not a border checkpoint at the bank.
They don’t care about “crypto” as an ideology.
They care that rent, school fees, and groceries don’t randomly cost 20% more next month.

We keep trying to “educate” users into DeFi.
But most people don’t want protocols, they want outcomes: stable purchasing power, cheap cross-border payments, and apps that feel like WhatsApp, not a Bloomberg terminal.

The opportunity isn’t to build more casinos.
It’s to build boring, boring money tools that feel obvious to use and quietly route around broken currencies and broken rails.

That’s where the new economy is already being wired.
We’re just catching up to it.

$ZEN $DASH