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Cryptocurrency is a type of digital currency that is decentralized. Because the currency is decentralized, it necessitates the use of cryptography rather than a centralized authority to manage its ledgers and balances. Blockchain technology is the most commonly used ledger system for cryptocurrencies today.

Digital currency, on the other hand, refers to any type of currency that only exists in digital form.

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• Payments are made more quickly. You can complete payments much faster with digital currency than with traditional methods such as ACH or wire transfers, which can take days for financial institutions to confirm a transaction.

• International transfers are less expensive. International currency transactions are extremely costly. Individuals are charged exorbitant fees to transfer funds from one country to another, especially when currency conversions are involved. Digital assets have the potential to disrupt this market by making it faster and less expensive.

• 24/7 access. Existing money transfers frequently take longer on weekends and after regular business hours because banks are closed and cannot confirm transactions. Transactions with digital currency occur at the same rate 24 hours a day, seven days a week.

• Government payments that are more efficient. If the government created a CBDC, it could instantly send payments such as tax refunds, child benefits, and food stamps to people instead of having to mail them a check or figure out prepaid debit cards.

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• There are far too many options. One disadvantage of cryptocurrency is its current popularity. “There are so many digital currencies being created across different blockchains that all have their own limitations. It will take time to determine which digital currencies are appropriate for specific use cases, including whether some are designed to scale for mass adoption, according to Tessler.

• The learning curve is steep. Digital currencies necessitate user effort to learn fundamental tasks such as how to open a digital wallet and securely store digital assets. For digital currencies to become more widely accepted, the system must be simplified.

• A costly transaction. Blockchain is used by cryptocurrency, and computers must solve complex equations to verify and record transactions. This consumes a lot of electricity and becomes more expensive as the number of transactions increases. This is unlikely to exist for CBDC because the central bank would likely control it and complex consensus processes are not required.

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Some businesses may benefit from the use of cryptocurrency. The advantages may include:

• A cryptocurrency transaction is typically a quick and simple process. Bitcoins, for example, can be transferred from one digital wallet to another using nothing more than a smartphone or computer.
• Every cryptocurrency transaction is recorded in a public list known as the blockchain, which is the technology that allows cryptocurrency to exist. This allows you to trace the history of Bitcoins and prevent people from spending coins you don’t own, making copies, or undoing transactions.
• Because blockchain aims to eliminate intermediaries such as banks and online marketplaces, there are no payment processing fees.
• Cryptocurrency payments are becoming more popular, particularly among large organizations and in industries such as fashion and pharmaceuticals.

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There are some disadvantages to using cryptocurrency in business:

• You may lose your virtual wallet or delete your currency. There have also been thefts from websites that allow you to remotely store your cryptocurrency.
• Because the value of cryptocurrencies such as Bitcoins can fluctuate dramatically, some people are hesitant to convert real money into Bitcoins.
• The Financial Conduct Authority (FCA) does not regulate the cryptocurrency market, so there are no rules in place to protect your company.
• If businesses or consumers switch to another cryptocurrency or stop using digital currencies altogether, your cryptocurrency may lose value and become worthless.
• Cryptocurrency exchanges are vulnerable to cyber attacks, which could result in a total loss of your investment.
• Cryptocurrency is vulnerable to scams and can be used as a payment mechanism in a scam. Scammers frequently use social media platforms such as Facebook, Instagram, and Twitter to dupe people into making these investments. If you believe you have been targeted, you should notify Action Fraud as soon as possible. Learn more about reporting a cybercrime.