Finance & Technology: How Crypto and Digital Tools Are Changing Money

When we talk about Finance & Technology, the intersection of digital tools and how money moves in the modern world. Also known as fintech, it's not just apps and charts—it’s about who gets access to money, how fast it moves, and who controls it. This isn’t science fiction anymore. In 2021, El Salvador made Bitcoin, a decentralized digital currency not controlled by any bank or government. Also known as BTC, it's used as both an investment and everyday money legal tender. They rolled out the Chivo wallet, a government-backed mobile app meant to let anyone send and receive Bitcoin without a bank account. Also known as El Salvador’s Bitcoin wallet, it was supposed to cut remittance costs and bring the unbanked into the financial system. But by 2025, Bitcoin was pulled from legal tender status. Why? Because the tech didn’t work for most people. The app crashed. People didn’t understand it. And when prices swung wildly, no one wanted to hold it as cash.

This isn’t just a story about one country failing. It’s a lesson in how financial inclusion, the idea that everyone, no matter their income or location, should have access to basic financial services. Also known as access to banking, it’s the goal behind many crypto projects can get twisted by bad design, hype, or lack of real-world testing. You can’t just slap a crypto wallet on a phone and call it progress. People need simple tools, stable value, and trust. The Chivo wallet had the right idea—helping people send money home cheaply—but it ignored how people actually use money. That’s why Finance & Technology isn’t just about blockchain or tokens. It’s about human behavior. It’s about whether a tool solves a real problem or just looks cool on a press release.

What you’ll find here isn’t theory. It’s real cases, real failures, and real insights into what works when money goes digital. From wallet glitches to market shifts, these stories show you what happens when tech meets cash in the real world. No jargon. No fluff. Just what happened, why it mattered, and what it means for you next.