Ideally, we would be able to provide modern financial services backed by first world institutions to underdeveloped countries. An example of this came through a podcast I listen to [1].

For the most part, I am skeptical of cryptocurrencies since they need to solve stability and identity first before tackling credit. An additional problem might also be usability; private-public key pairs should be abstracted away to the end user. As for donation systems, I don't think they have the same network effect as credit systems.

[1] https://www.npr.org/sections/money/2016/09/07/492988779/epis...