Africa and other under developed nation will still have to struggle for some years, the aristocratses will never want to have their wealth decentralized, so all the mechnism to frustrate the process will be utilized.
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Unless people get smart phones...then the decentralization is started.
And there is nothing they can do but confiscate the phones.
The challenge with that is there are more people than warlords and there is an abundance of money ready to flow in. The difference is they dictators wont be able to take it like they do with foreign aid now because it will go direct.
Let me use my country as a reference, a bill was proposed by the national assembly to tackle hate speech, the bill dictates that you cant speak ill of the government or it agency even through your social media platforms