In an increasingly digital world, the traditional banking system in PNG has struggled to reach the rural majority. Limited banking infrastructure, high transaction fees and inaccessibility to financial services have made cash the default currency, even in urban areas. However, the rise of cryptocurrency-based debit cards—commonly known as crypto cards—is presenting a new opportunity for financial inclusion. These cards allow users to spend cryptocurrency like regular money, converting it into fiat currency (like PNG Kina, AUD or USD) at the point of sale or through ATM withdrawals.
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