A key issue that may stymie smart contract adoption is that parties must rely on trusted technical experts or be tech-savvy themselves to accurately capture the parties' agreement in code.

A non-technically savvy audience will be unable to understand even the most basic smart contract, making an expert's explanation of the contract's wording increasingly necessary. This allows for fraud or manipulation.

Smart contracts are automated digital agreements that run on blockchain networks, but their use is not limited to programmers or technical specialists. Non-technical participants such as entrepreneurs, investors, lawyers, and general users also interact with them in various ways. They usually access smart contracts through simplified applications, web interfaces, or decentralised apps that mask the underlying code. Instead of programming, they work by selecting options, confirming conditions, or initiating predefined actions like payments or asset transfers. For instance, a company owner may automate billing through a smart contract, while an investor might engage in staking or yield programs without technical knowledge. This ease of access helps bring blockchain solutions into industries like finance, logistics, and property management. Still, users without technical backgrounds must remain aware of risks such as coding bugs, security flaws, and irreversible transactions. Therefore, intuitive design and user education are crucial to ensure safe and effective participation in smart contract systems.