Celo is an open platform dedicated to enabling anyone with a mobile phone to use financial tools. The platform was initially dedicated to addressing the issue of financial inclusivity. Celo believes that 1.7 billion people worldwide lack access to financial services, which greatly hinders the path to prosperity. The entire stack from Cello's stable protocol to mobile wallets is built on this mission. Research on the target market of Cello has demonstrated the main features of the platform, including the ability to pay transaction fees with tokens (thereby stabilizing currency value), the ability to send payments to phone numbers (even if the recipient has not yet registered with Cello), and the design of an ultra light client to allow wallet users with limited data connections to quickly synchronize....