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Digital Money, Bibliography: Santander, (03/05/2022). DeFi o finanzas…
Digital Money
Cryptomoney
Cryptocurrency is a digital currency, virtual money, a technology that allows funds to be transferred without intermediaries over the Internet. Cryptocurrency transfers within the network are free because there are no intermediaries: each transaction is processed by the system.
For cryptocurrency transactions, a decentralized database, blockchain or shared accounting registry is used to control these transactions, where the data in this registry cannot be subsequently modified or manipulated, which guarantees the security of the network.
Cryptocurrency valué? The value of cryptocurrencies varies depending on the supply, demand, and commitment of users
What is block chain? It works like a large ledger where huge amounts of information can be recorded and stored.
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Advantages: Reduces the cost of the transaction, since there is no intermediation, reduce times and eliminates the need to use financial agents to carry out transaction
DeFi
DeFi also called Decentralized finance is a monetary system that use public blockchain. This is usually used by students, industrialist, blockchain experts, etc.
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Decentralized finance approach: Remittance market solution, loans, stablecoins
In the future, it´s suppose to be centralized by a regulatory organization
As it´is ¨new¨, it has some risks for example adoptation rates, lack of preper bandwidth
Bitcoin
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They are criptomoney, so they are protected by that system
The maximun of bitcoins is 21 million
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Yo can: buy online, make donations, play and invest, buy goods in other countries, and in general different kind of transactions, etc.
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