2. "It is estimated that 70-80% of all Indonesian citizens are unbanked or underbanked." - ok, a real problem. But can I clarify - what are the CAUSES of this state of affairs ? Leaving aside the specific problem of interest aversion, according to the creed, banking services are not only interest on loans. It is primarily banking transactions - from payroll to payments. What is the problem with that ?
Well maybe the cause is simply that there parts of that country that are not enough developed yet.
In my country too, when I was younger, there were underdeveloped regions.
3. "Not being able to save safely". There is a subtle issue here. Saving money, if we are talking about inflation, is in a sense getting .... additional interest from the growth of the value of some asset, by means of which a person tries to compensate for the loss of value, for example, of the local currency. Isn't that contrary to the religious canons? Please do not take this as an attempt to "play on religious feelings", just a really contradictory nuance, at least for me.
Saving - protecting your purchasing power - by getting interest on capital can be contrary to religious canons. For example it was contrary to Christianism until 1500.
Saving through precious metals is something different and AFAIK is not contrary to any religion.
Usually shariah prohibit cryptocurrencies.
Kinesis' gold-backed stablecoins have been accepted as shariah compliant, because saving and transacting gold is permitted by Islam.
The problem for those people in Indonesia are...
where can you buy (and sell) precious metals?
Buy/sell spreads can be huge.
Keeping precious metals at home?
Etc.
By the way, you cannot use those pieces of metals in order to buy things. Not under normal circumstances.
All these problems are solved through gold-backed stablecoins.
Saving, protecting the purchasing power of one own wealth, in a safe and simple way, is a huge benefit for ordinary people.
Will it have an impact on the local economy? I think so!