Wednesday, June 17, 2026

Light/Dark

Breaking News

ACI Worldwide Powers Rabobank’s Wero Instant Payments, Advancing Europe’s Real-Time Payments Transformation EXCLUSIVE: “Vive La Différence!” – David Rintel, Finby in ‘The Fintech Magazine’ Why Document Review Is Fintech’s Most Overlooked Bottleneck The Shift to the Intelligent Core: Normalised Data Pools, Natural Language Underwriting, and Human-in-the-Loop Agent Orchestration HSBC and Google Cloud Announce Transformative AI Banking Partnership Revolut Obtains Approval for Stored Value Facilities and Retail Payment Services Licences from the Central Bank of the UAE Adyen Announces Adyen Agentic as the Universal Translator for the Next Era of Commerce UK Payments Pulse: Security and Trust Drive Payment Choices Moneybox Expands Retirement Offering as It Launches New Pension Drawdown Service Quickly Connect to Discover® Network and Diners Club International® with Silverflow Integration Monument Technology Closes £18 Million Fundraising Round Redefining Risk for the Era of Real-Time Payments Embat Becomes the First Treasury Management System Available to Sage Intacct’s Customers The Citation Group Acquires PayCaptain to Add Advanced Payroll Software and Services to Their Market-leading Compliance Platform Connect Powers StepChange’s Expansion of Financial Support Services

Home » Companies » Protocol Theory

Connect

About Protocol Theory

https://www.protocoltheory.com/

About Protocol Theory

News

News

Mercuryo CEO Petr Kozyakov and Protocol Theory CEO Jonathan Inglis present new research highlighting crypto wallet adoption gaps in the U.S., with lower-income users facing higher costs through Bitcoin ATMs.

Crypto Wallet Adoption is Skewing Affluent as Dreams of Financial Freedom Fades

October 3 2025

A new research report from global payments infrastructure platform Mercuryo and Web3 research firm Protocol Theory shows that while cryptowallet adoption is accelerating among affluent users, lower-income groups face costly access points and risk being excluded.

Jonathan Inglis

Jonathan Inglis