> For the complete documentation index, see [llms.txt](https://read.passkash.vip/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://read.passkash.vip/whitepaper/problem-statement.md).

# Problem Statement

Users and businesses in emerging markets face:

* Low payment and card limits
* Limited access to USD financial tools
* Difficulty accessing global payment networks
* High cross-border transaction costs