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Financial inclusion refers to the access that people have to useful and affordable financial products and services. This includes access to bank accounts, credit, savings, insurance, and other financial services. Unbanked populations are those who do not have access to traditional financial services, such as bank accounts and credit. There

Introduction In the world of cryptocurrency and decentralized finance (DeFi), privacy and security are paramount. As the popularity of DeFi platforms continues to surge, the need for robust privacy solutions becomes increasingly evident. One promising avenue in this quest for privacy is the exploration of off-chain layer-two solutions. This semi-technical