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This week on the podcast, we talk with Tricia Martinez. She’s the founder of Wala, a financial services app, and Dala, a cryptocurrency that goes with it. Based in Cape Town and currently operating in South Africa, Zimbabwe, and Uganda, Wala enables people to send digital money -- Dala -- to family across borders, as well as borrow, make transactions, and save. Many of these consumers haven't had a formal bank account before, or they conduct their lives primarily in cash -- both of which pose challenges to financial freedom. Tricia and producer Meara Sharma discuss why banks have failed consumers in emerging markets, how cryptocurrency and blockchain are helping to reimagine financial systems, and more.