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The boundaries between “traditional” consumer fintech companies and cryptocurrency will become even blurrier, as the former can leverage crypto-assets to create new revenue streams. With more transactions moving from cash to mobile phones, companies will have broader target customers of potential crypto services in finance. The application of cryptocurrencies, with relatively lower transaction fees on the blockchain, can empower startups to serve cheaper financial products than the incumbents. For the startups that have already targeted the unbanked/underbanked population, offering crypto-related services can differentiate the product.