PANews reported on May 12 that, according to World Bank data, 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 the proportion of users from emerging markets on the platform will rise from 49% in 2020 to 77% in 2026, with more active savings, cross-border payments, and capital market participation, reflecting the complementary role of on-chain infrastructure in deposits, payments, yields, and capital market access.