Explainable AI and Blockchain for Dual-Currency Payments: A Systematic Review of Freelancing in Bangladesh.

The growth of the global gig economy has had a substantial impact on labor markets, especially in developing nations like Bangladesh. One of the major contributors to cross-border digital labor is Bangladesh. Freelancers still encounter difficulties, nevertheless, in obtaining safe, open, and effective international payment options. High transaction fees, settlement delays, currency fluctuations, and restricted access to global digital wallets all have an impact on financial inclusion and income security. Explainable AI (XAI) guarantees that AI-driven judgments are comprehensible, while blockchain facilitates safe and transparent transactions. When combined, these technologies could aid in resolving these issues.With an emphasis on blockchain, XAI, and dual-currency payment systems, this study systematically evaluates 124 peer-reviewed publications that were released between 2015 and 2024. The research were divided into four sections based on PRISMA 2020 guidelines: blockchain-based cross-border payments, XAI applications in banking, dual-currency frameworks (including cryptocurrencies, CBDCs, and DeFi), and freelancing in underdeveloped countries. The findings show that XAI increases transparency in automated financial decision-making, dual-currency systems offer resilience against currency volatility, and blockchain lowers transaction costs and settlement times. When combined, these technologies provide freelancers with increased trust, quicker payments, and smooth communication with local mobile financial services (MFS) like bKash and Nagad.Despite these benefits, low digital literacy, unclear regulations, and limited infrastructure impede adoption. The report offers a road map for legislators, FinTech firms, and independent contractors to get beyond these obstacles, emphasizing the value of regulatory sandboxes, pilot projects, and interoperability across domestic and global financial ecosystems. In the end, combining XAI, blockchain, and dual-currency systems might greatly improve financial inclusion, empower Bangladeshi independent contractors, and aid the digital economy in South Asia as a whole.This paper offers practical avenues for inclusive FinTech innovation in emerging nations by fusing Explainable AI and blockchain-based dual-currency mechanisms in a novel way.