Relying on the Internet, cryptocurrencies only need a smartphone and an Internet connection to realize financial operations such as payment, savings, and investment. Take some areas in Africa as an example. Local residents can easily carry out cross - border remittances through cryptocurrency wallets without relying on the cumbersome procedures of traditional banks, reducing the threshold for financial services. In addition, the smart contract function of cryptocurrencies can also provide convenient financing channels for small and micro enterprises. By setting smart contract terms, the loan issuance and repayment processes are automatically executed, reducing intermediate links and transaction costs. However, while cryptocurrencies contribute to inclusive finance, they also face problems such as lack of regulation and price fluctuations. Only on the basis of improving regulation and stabilizing the market can they better play their role in the field of inclusive finance and enable more people to benefit from the convenience brought by financial innovation.

Relying on the Internet, cryptocurrencies only need a smartphone and an Internet connection to realize financial operations such as payment, savings, and investment. Take some areas in Africa as an example. Local residents can easily carry out cross - border remittances through cryptocurrency wallets without relying on the cumbersome procedures of traditional banks, reducing the threshold for financial services. In addition, the smart contract function of cryptocurrencies can also provide convenient financing channels for small and micro enterprises. By setting smart contract terms, the loan issuance and repayment processes are automatically executed, reducing intermediate links and transaction costs. However, while cryptocurrencies contribute to inclusive finance, they also face problems such as lack of regulation and price fluctuations. Only on the basis of improving regulation and stabilizing the market can they better play their role in the field of inclusive finance and enable more people to benefit from the convenience brought by financial innovation.