Today, more people on the planet have access to a mobile phone than: Jobs. Food. Running water. Decentralized finance (DeFi) can transform the global financial system in a more secure and permissionless way, removing intermediaries and giving users more control over their assets. Celo is a mobile-first DeFi platform that makes financial tools accessible to anyone with a mobile phone. Celo is on a mission to make DeFi what it should be: mobile, accessible, for everyone, and to make Web3 development and infrastructure: simple, affordable, and open.