When you think of Finance & Technology, the intersection where money systems meet digital innovation. Also known as fintech, it's no longer just about apps and online banking—it's about rewriting how value moves across the globe. This isn’t theoretical. It’s happening right now, in living rooms in Shanghai, on encrypted apps in Chengdu, and through peer-to-peer networks that even governments can’t fully shut down.
Take crypto, digital money that operates without banks or central control. In China, where the government banned crypto exchanges in 2021, over 59 million people still trade it. They don’t use big platforms. They use hidden P2P networks, encrypted messaging apps, and VPNs to swap Bitcoin, Ethereum, and even stablecoins. Why? Because they see crypto as a way to protect their savings from inflation and capital controls. This isn’t rebellion for the sake of it—it’s survival, powered by blockchain, a public, tamper-proof ledger that records every transaction without needing a middleman.
And then there’s the digital yuan, China’s state-backed digital currency designed to replace cash and monitor spending. It’s the government’s answer to crypto: control over chaos. But here’s the twist—while the digital yuan tracks every penny you spend, crypto lets you move money without asking permission. One is a tool of surveillance. The other is a tool of autonomy. And millions in China are choosing the latter, even if it means risking fines or jail.
Finance & Technology isn’t just about new apps or flashy headlines. It’s about power—who controls money, who tracks it, and who gets to decide what’s legal. The rise of crypto in places like China proves that when people lose trust in traditional systems, they’ll find another way. They’ll use tech to bypass borders, rules, and even governments. That’s the real story behind the numbers.
What you’ll find below isn’t just a list of articles. It’s a map of where money is going when the old rules stop working. From underground trading networks to the silent battle between state control and decentralized freedom—this is the real frontier of Finance & Technology.
Despite a total ban since 2021, 59 million Chinese citizens still use cryptocurrency through hidden P2P networks, VPNs, and encrypted apps. Here's how they do it - and why the government can't stop them.