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Digital currencies are generating widespread controversy regarding their future and impact on the global financial system. Opinions vary between supporters who see them as a forward-looking technology and an opportunity to reduce transaction costs, and opponents who fear they threaten monetary sovereignty and undermine financial stability. Their types include: cryptocurrencies that rely on blockchain technology, stablecoins backed by monetary reserves, central bank digital currencies (CBDCs), and non-fungible tokens (NFTs). Their acceptance levels differ depending on the type of currency and the involved entities, with risks related to increasing vulnerabilities and regulatory conflicts, as some countries prohibit trading cryptocurrencies within their monetary policies.
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