# kaal:claim:4734750-035

**Claim.** Roughly 38 percent of the labor pool is unbanked but skilled and is therefore excluded from centralized micro task marketplaces, because without a bank account workers cannot contribute to or profit from those platforms.

**Type.** failure  **Support.** evidenced

**Source quote.**

> the circa 38% of the labor pool that is unbanked but skilled does not currently have access to the centralized micro task marketplaces

**From.** Wulf A. Kaal, *Code Review DAO* (2024), No Access for Workers, page 26

**Cite as.** Wulf A. Kaal, Code Review DAO (2024). SSRN: https://ssrn.com/abstract=4734750

**Verify.** sha256 of source PDF `60eadf91c0913468505afc664c8d8d1e1673d6c5326d031ca7060addb8ab2eda` at https://raw.githubusercontent.com/wulfkaal/Academic-Papers/main/papers/pdf/Kaal%20-%202024%20-%20Code%20Review%20DAO.pdf

**Failure mode.** Banking gate on micro task labor  (family: inequality-and-access-divide)

**Topics.** systemic-risk

**Keywords.** unbanked, financial-exclusion, micro-tasks, labor-access

**Related claims.**

- restated_by: https://wulfkaal.github.io/claims/4755632-014
- restates: https://wulfkaal.github.io/claims/3128900-011
- supports: https://wulfkaal.github.io/claims/3128900-020
- extends: https://wulfkaal.github.io/claims/3128900-012

**Canonical form.** This markdown file is the canonical hashed representation of the claim. Its sha256 is the content hash used for attestation.