Is crypto an opportunity or a threat?

The fascination with cryptocurrencies shows no sign of fading. With the passage of the Guiding and Establishing National Innovation for US Stablecoins Act, known as the Genius Act, in July, US lawmakers added to the sense that crypto is here to stay. But look beyond the hype and an uncomfortable issue remains unresolved: Are cryptocurrencies a genuine innovation capable of serving the common good or a speculative threat to financial and social stability? Of course, not all cryptocurrencies are alike.

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