'Blockchain and cryptocurrencies are here for good and can jumpstart future-of-work strategies that can prepare, train, and strengthen America’s workforce.' Opinion by cmesi. blackhistorymonth
, or lack access to the traditional financial system. That is a stain on our democracy and economic structure. Today, urban, rural, and native communities that continue to be locked out of centralized finance are looking to cryptocurrencies as a pathway to economic empowerment.. A Harvard-Harris poll noted, “while only 11% of white Americans report owning cryptos, 23% of Black Americans and 17% of Hispanic Americans own such assets.”series.
Black and Brown communities see the value of a decentralized web 3 that provides greater protections for users. Creative industries are leveraging non-fungible tokens to fuel today’s more diverse, more entrepreneurial marketplace.Seizing on the momentum around cryptocurrencies, we should invest in training, given there are various jobs in emerging technologies that do not require coding experience or a college degree.
Emerging technologies offer alternatives to tackle financial exclusion and empower individuals to take control of their financial future. Already, fintech platforms are opening access to employees who do not have traditional bank accounts. And in 2020, Square launched a platform that enabled consumers to deposit theirWe should encourage employers to allow employees to direct deposit portions of their paycheck into cryptocurrency accounts.
A federal mandate could be helpful. Last November, U.S. Senators Chris Coons , Raphael Warnock , and John Hickenlooper to the Treasury Secretary urging the creation of a Presidential Commission on Financial Inclusion – a national, interagency financial inclusion strategy with the goal of providing all people with the ability to access, utilize, and reap the benefits of financial products and services.
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