Consider the impact of M-Pesa, a mobile money transfer service prevalent in Kenya, Tanzania, Ghana, Democratic Republic of Congo, Lesotho and Mozambique. This pre-cryptocurrency “wallet” launched by Vodafone (Safaricom) has revolutionized financial transactions for millions of individuals without access to traditional bank accounts. But M-Pesa is not without limitations – high transaction costs and dependence on a centralized authority, to name a few.