In 2007, something quiet happened in Kenya that changed how millions of people handle money. A company called Safaricom launched M-Pesa. The idea was simple: send money to anyone using just their phone number. Years later, crypto came along with a similar promise: money that anyone can send to anyone, anywhere, without needing a bank. But there's a catch. M-Pesa asked you for a phone number. Crypto asks you to copy about 44 random letters and numbers, paste them perfectly, and hope you didn't miss a single character. One mistake and the money is gone. No bank to call. No undo button. ▹ So here's the question: what if crypto learned M-Pesa's lesson? @bwallet_arc is built around that question. Let's break it down. 🧵↴