Giftcoin is the world’s first cryptocurrency designed for transparent charitable giving. Could this use of cryptocurrency – which was until recently an alternative or niche way of spending – be a step towards seeing radical ideas becoming mainstream models?

Paylater is a Nigerian digital loan app that claims to be able to issue a collateral-free loan in five minutes. In a time when 40% of Nigerians are going unbanked, Paylater is giving a mobile-savvy population with no collateral, access to credit when physical lenders are thin on the ground.

The bitcoin boom of 2017 brought cryptocurrencies into the mainstream – but they offer more than just a quick buck for tech-savvy investors. From sex workers to vegans to LGBTQ individuals, the underpinning tech is helping marginalised groups break free from traditional financial authorities.

As India moves to be a cashless country, PayTM is leading the digital economy’s revolution by providing a wide merchant base for its users. This app is simplifying Indians’ lives by giving them the opportunity to seamlessly sync their spending for offline retail and online services.