The problem L-Pesa is solving: there are millions of people who don't own enough or have the right paperwork or live under oppressive regimes, who cannot access microfinancing because dealing in fiat has bureaucratic requirements. They are having to refuse help to people and turn away business. These people don't have the opportunity to be part of the future and are being left behind.

Using blockchain and tokens, they can overcome many of the barriers and deepen their reach further down the chain to create a more inclusive society. L-Pesa is a business, not a charity. But the beauty of L-Pesa’s work is that it remains fully grounded in business, while the result is ultimately very charitable. Everyone wins.