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El Salvador's Bitcoin Law (2021) failed to boost remittances but normalized state-level adoption. Tonga's 2024 pilot using Bitcoin for aid disbursements showed its potential in disaster relief. Meanwhile, Goldman Sachs' 2024 client survey found 15% of family offices held Bitcoin, up from 1% in 2020. These trends suggest a slow "erosion of fiat hegemony" as Bitcoin becomes embedded in niche use cases, even without full-scale replacement.
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