Cryptocurrency

Overview

Colloquially known as “crypto,” cryptocurrencies are forms of digital currency that evolved a wide variety of uses in recent years. Advocates of cryptocurrency point to several advantages: instant transfer of funds, protection against inflation, and much more.

Among their key features is decentralization, meaning that unlike traditional money, they generally aren’t controlled by a single authority like a bank or government.

As of early 2025, cryptocurrencies had a cumulative market cap of almost $3.4T, making them worth more than some of the world’s most valuable companies, like Google and Amazon (both valued at roughly $2.3T). A recent survey found roughly 17% of US adults had invested in, traded, or used cryptocurrency.

Critics argue cryptocurrencies are susceptible to boom-and-bust cycles, making investments risky for those without a clear understanding of the ecosystem.

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