Binance: Emerging-market users are treating crypto exchanges like banking apps, Binance says

One point three billion adults lack financial services, 4.7 billion lack credit, and 1.4 billion savers in low-income nations earn no deposit interest, Binance said. What to know : Emerging markets are driving crypto adoption, accounting for 77% of Binance users in 2026, Binance said in a report. Users treat exchanges as "shadow banks" for savings, payments, and investments. Crypto platforms fill a financial access gap. One point three billion adults lack financial services, 4.7 billion lack credit, and 1.4 billion savers in low-income nations earn no deposit interest, Binance said. Stablecoins are central, enabling low-cost ($0.0001) and instant remittances/savings, but institutions like Moody's warn of financial-resilience and monetary-sovereignty risks.