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The article delves into the concept of Financial Inclusion 2.0, highlighting its transformative potential in empowering the unbanked. It emphasizes key components such as accessible, affordable, and user-friendly financial services, financial literacy programs, and the importance of regulation and innovation. The discussion extends to the role of Decentralized Finance (DeFi) in addressing financial inclusion challenges in Africa, particularly for the unbanked majority. DeFi is presented as a solution due to its elimination of intermediaries, cost-effectiveness, transparency, and facilitation of cross-border transactions. However, challenges like limited internet access and regulatory uncertainties are acknowledged. The article concludes by proposing collaborative strategies between DeFi platforms, local communities, governments, and traditional financial institutions to enhance financial literacy and adoption among the unbanked in Africa.