This is an article written by Jackie Bona. She’s the Co-Founder and CEO of Valora.
Adoption in mass numbers faces five challenges
In today’s digital world, mobile technology is more than just a convenience—it’s a lifeline connecting billions of people to the internet. The internet is available to everyone with the help of mobile technology. Over 8.58 billion smartphones worldwide — surpassing the world’s population — smartphones have evolved into essential tools for communication, commerce, and financial management. Web3 has the potential to revolutionize industries, digital interaction, and financial systems. However, its implementation is yet to be completed. “Apple moment”—the pivotal event that makes a disruptive technology intuitive and accessible to the masses.
What is holding Web3 back? Web3 must overcome 5 major obstacles to move from a new technology to a widely adopted one.
Mobile Native Solutions Lack
Web3 apps are largely restricted to desktop environments, despite smartphones being the main device owned by billions of people. Recent Reports The figures show that 92% of all internet users in the world connect through their mobiles, but only 9% use desktop computers. Eight of the Top 100 Web3 Apps DappRadar offers mobile native experiences. Why is the gap there?
The gap in access to the internet is especially problematic for emerging markets. Mobile phones are usually the only means by which people can connect. In countries such as Vietnam, India and the Philippines, there are more than 75% of Adults Mobile devices are the only way to connect with the Internet.
Celo Community is one of the best ecosystems that are working on closing the gap between mobile and desktop. As the leading blockchain supporting projects built with a mobile-first approach — including projects like Valora, Mento Labs, and Opera’s Mini Pay — Celo is embracing the chance to offer web3 powered solutions that are practical in a world of mobiles. Celo’s strategy has already paid off, as it reached over 700,000 active daily addresses in September using stablecoins, showing the demand for mobile-native applications.
Opera MiniPay’s success has also shown how mobile-first design is in line with the needs of the market. It has exceeded expectations. Three Million Wallets Across the African continent. Opera MiniPay’s focus on ease-of-use and affordability has enabled digital finance to be accessible in areas with limited banking infrastructure. This has led to a growth of their user base. This demonstrates the power of mobile-centric solutions in expanding access to digital assets – especially in areas where financial inclusion is a key challenge – and underscores the market opportunity for Web3 companies to provide mobile-centric solutions.
Users Interfaces with Complexity
Web3 can be intimidating for the average user, particularly when you consider the complexity of managing digital assets and security. Remember that there are more than Two-thirds Web2 users They use the same login for their Web3 account, which highlights the difficulty that mainstream users can have in navigating the Web3 requirements.
The steep learning curves for blockchains, digital wallets and decentralized finance are often accompanied by security measures, such as complex keys or seed phrases. This makes it difficult to interact with these technologies confidently.
Web3 is a company that continues to innovate but has only limited users. There are 220 Million active addresses recorded in September of this year — a number that pales in comparison to the billions who regularly interact with Web2 platforms.
The Web3 community has taken note. Web3 is used by nearly 1 out of 4 users Many cite complex user interfaces, and a difficult onboarding process as obstacles to mass adoption. Web3 platforms that simplify user experience can be an inviting entry point for those who are unfamiliar with blockchains and decentralized financial systems.
Web3: Low awareness
Web3 is relatively unknown by the public despite its potential for transformation. According to survey results, only 4% of the population has heard about Web3. 8 % of the population Web3 exists, and this lack of knowledge is one of the major obstacles to mainstream adoption.
The lack of awareness is particularly problematic in regions where Web3 could have the most profound impact – emerging markets where traditional banking services are either underdeveloped or inaccessible.
According to the World Bank, there are The 1.4 billion Web3 can empower these underserved communities by offering decentralized solutions to long-standing issues like accessing credit, high transaction fees and currency instability. Web3 offers decentralized answers to issues such as currency instability, access to credit and high transaction costs. Many people remain ignorant of these technologies’ potential benefits due to a lack of education.
This gap can be closed by educating the users on real-world Web3 uses. The newest version of the Web3 is a great example. Valora Learning ProgramValora’s first-ever mobile design is used to deliver hands-on experiences in developing markets.
The project has reached over 75,000 Nigerian users and will soon expand to Vietnam, South Africa and Brazil. This is to help empower more people by enabling them to adopt stablecoins, while also facilitating borderless and seamless crypto transactions. With USDT, and Valora’s fully-mobile wallet, the users are able to learn as they earn.
Programs like Valora Learn & Earn enable users to understand stablecoin use cases such as secure remittances, savings, and cross-border payments, helping individuals take control of their finances with practical applications that fit into everyday life.
Valora, an app that makes educational content mobile-friendly, is turning curiosity into real engagement and driving Web3 adoption in emerging markets.
The Digital Gap
In emerging markets where traditional financial and banking services are limited, mobile technologies have become the main gateways to global digital economies. UN experts are concerned that a digital divide is still present. Globally, there are 2.7 billion people The cost of updating broadband infrastructure, and the outdated technology that is used to provide internet service could prevent many from having access.
Crypto adoption has increased in countries such as Brazil, Turkey and Vietnam. Over-average growthClearly, there is a demand for digital assets. While there may be millions of mobile device owners in these emerging markets, most respondents point out that they are not a good investment. Cost-effectiveness They may be denied the opportunity to do so.
This is an example of how it can be dealt with. Jambo’s Partnership with Aptos Foundation. Jambo, a company that makes affordable smartphones equipped with Web3 functionality and Internet access available to people in 40 different countries, including Africa, Southeast Asia, Latin America and Africa, is helping close the digital divide and help more users from emerging markets get online.
Jambo has shown that in order to fully unlock its potential the industry must meet customers at their level and develop onboarding platforms which can help to close or bypass the digital gap.
Stablecoins: Proof Web3 can be used in the real world.
Web3 has a long-standing reputation for speculating and investing, but recent developments have changed that. surge in stablecoin use This shift towards real-world, practical applications is evident. Stablecoins — digital assets pegged to traditional currencies like the U.S. dollar — have achieved a significant product-market fit by offering a stable and accessible way for everyday transactions, savings, and cross-border payments, without the volatility that often defines the crypto market. Stablecoins are appealing for users who want digital tools that they can depend on to meet their daily financial needs.
Where banking is not available in emerging markets remains limited, The stablecoins act as an international currency that allows individuals to easily store and move value. “bank in their pocket.” Users can earn stablecoins and use them in everyday life through programs.
Web3 shows through its stablecoins that digital assets have value above and beyond mere speculation. They also promote financial stability, empowerment, and a sense of security.
The increase in adoption of stablecoins shows that Web3 users are looking for more than high-risk returns. They want reliable digital tools to help them manage their finances. Web3 will be able to shift its image from speculative into a system which fosters inclusion.
Web3 Future: The Mobile Revolution is the Way Forward
Web3’s path towards mainstream adoption remains hampered by a number of critical obstacles. A powerful solution is at the core of this challenge: adopting mobile technology. With the majority of global internet users accessing the internet in the palm of their hands, the transition from desktop-centric platforms to mobile-first solutions is not just necessary — it’s inevitable.
Stakes are high. Web3 risks being confined to niche audiences if it fails to embrace mobile technology. This will limit its global reach. Web3 can finally reach its Apple Moment by taking on these five major challenges, and fully adopting the mobile revolution.
Posted In: Featured, Guest Post, Opinion, Web3 Guest Contributor 
Jackie Bona
Jackie Bona is the CEO and founder of Mobile Stack and has 15+ years of experience at Google, Twitter and Spotify. She leverages her expertise to help drive financial inclusion globally through Web3 and mobile wallet development.
@jackie_bona LinkedIn Editor
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