Binance: Blockchain financial infrastructure is reshaping the global landscape of inclusive finance.

World Bank data shows that approximately 1.3 billion adults globally still lack access to banking services, while another 4.7 billion are in a state of "underbanking," lacking access to credit, digital payments, and interest-bearing deposits. The report points out that in countries with low traditional financial penetration, the usage rate of crypto assets and stablecoins is significantly higher. Stablecoins, when used for cross-border transfers via high-performance networks, can reduce costs by up to 99% compared to SWIFT, and offer faster settlement, helping to lower remittance fees. Binance data shows that emerging market users account for 49% of the platform's users from 2020 to 77% from 2026, and their savings, cross-border payments, and capital market participation are more active, reflecting the complementary role of on-chain infrastructure in deposits, payments, yields, and capital market access.