CRYPTOCURRENCY IN MODERN DAYS: PROSPECTS AND CHALLENGES

Cryptocurrency is a non-regulated form of currency that has gained popularity due to its potential to disrupt traditional financial systems and provide greater financial inclusion. The cryptocurrency market is much more volatile and riskier than traditional markets, and there are various risks associated with it, such as hacking and fraud. The lack of clear guidelines and regulations from governments and financial institutions is a major challenge for the cryptocurrency market. Despite the challenges, the cryptocurrency market has the potential to revolutionize the financial landscape. This paper examines the overall impression of Cryptocurrency in the market, including the lack of clear guidelines and regulations from governments and financial institutions and tries to explore the prospects, risks and drawbacks of crypto market, including the impact on market stability and innovation.加密货币（Cryptocurrency）是一种非监管型货币，因有望颠覆传统金融体系、提升金融包容性而广受追捧。加密货币市场较传统市场波动更为剧烈、风险也更高，且伴随黑客攻击、欺诈等多重风险。各国政府与金融机构缺乏明确的监管指引与规范，是加密货币市场面临的一大核心挑战。尽管存在诸多挑战，加密货币市场仍具备重塑金融格局的潜力。本研究旨在探析加密货币在市场中的整体观感，包括各国政府与金融机构监管缺失的现状，并尝试探索加密货币市场的发展前景、潜在风险与弊端，包括其对市场稳定性与创新的影响。