Cryptocurrencies, also known as digital currencies, are virtual, intangible and decentralised currencies that operate thanks to blockchain technology. We explain the main areas in which the use of these digital assets can be beneficial.
Digital payments
Cryptocurrencies have positioned themselves as an alternative to traditional currencies for purchasing goods and services. More and more physical and virtual businesses are accepting cryptocurrencies as a method of payment. You can use them to purchase everything from commodities to luxury goods, as well as to book travel, subscribe to online services and much more.
Investing and trading
The high volatility of the value of cryptocurrencies generates mistrust among more conservative investors, yet makes them extremely attractive to less risk-averse investors, who can see their profits multiply. There is also the possibility to engage in cryptocurrency trading, taking advantage of fluctuations in the value of cryptocurrencies to make profits by actively buying and selling.
International transfers
By cutting out intermediaries such as banks or specialised money transfer companies, cryptocurrencies can facilitate cross-border payments quickly, more cheaply or even for free if we make a wallet-to-wallet transfer. Blockchain technology makes it possible to send funds securely and directly anywhere in the world.
Crowdfunding and crowdlending
Some cryptocurrencies and blockchain platforms offer crowdfunding and crowdlending solutions. These platforms allow entrepreneurs to raise funds for their projects directly from investors, cutting out intermediaries and simplifying the funding process.
Smart contracts and decentralised applications
Smart contracts are digital contracts stored on a blockchain that are executed when certain predetermined conditions are met and without the involvement of any intermediary. These smart contracts enable a wide range of decentralised applications, such as voting systems, gaming, financial services and more.
Donations and charitable causes
Cryptocurrencies can be used as a way to raise funds for charitable causes and non-profit organisations. Some platforms allow users to make donations directly in cryptocurrencies, facilitating transactions and reducing the barriers associated with international transfers.
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Això de que un pugui fer-se ric només especulant sense produir res, no m’agrada gaire. Dieu que les criptomonedes es basen en la confiança…. però no hi ha algú al darrere. Al meu banc no m’han sabut explicar-ho gens bé.
Hola Lluis, tenint cryptos pots guanyar o perdre diner de la mateixa forma que si tens accions d’una empresa. Crec que tens raço quan comentes que això es especular ja que vols guanyar diners amb l’esforç d’un altres. El mateix passa amb CFD o Fons d’Inversio. Jo tinc cryptos per que crec en les finances descentralitzades i per que res em faria mes feliç que pedre de vista als bancs i les grapes d’hisenda. En aquest moment les tinc a l’espera de que passi l’anomenat crypto-hivern i totes les presions que el govern dels EEUU esta fent per a fer-les descarrilar. També les faig servir com a moneda a la meva targeta de credit tot i que el botiguer cobra en Euros. Obviament no acosello ni desaconsello tenir cryptomonedes pero personalment hi crec amb visio de futur.
Gràcies!
Gràcies, Joan, per ser-hi i per seguir-nos!!!
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Gràcies, Carles!!!
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Gràcies, Manel!!!