H Moody’s δημοσίευσε στην ιστοσελίδα της μελέτη με θέμα τα digital currencies και τα cryptocurrencies που εν περιλήψει έχει ως εξής :
Mainstream entities including large technology companies and banks are taking steps to launch digital currencies or explore using them in their operations, highlighting the potential efficiencies of an increasingly digitized financial system. Over time, the rising prevalence of digital currencies will shape the development of digital platforms by companies in many different sectors. But for now, the scalability, security and reliability of these currencies are key constraints to their widespread adoption.
Cryptocurrencies, a subset of digital currencies, are increasingly gaining attention for their potential applications. We categorize the uses of cryptocurrencies in four groups: speculative digital instruments, potential alternative medium of exchange, technological improvements that modernize payment infrastructures, and new functionalities for providing access to goods and services.
Cryptocurrencies have potential to eliminate some intermediary functions that financial institutions perform. For example, stablecoins, a class of cryptocurrencies tied to a traditional asset, are gaining focus because of their limited price volatility.
The emergence of cryptocurrencies is part of the evolution of financial infrastructure, particularly payments. Cryptocurrencies will offer new functionalities as corporate strategies focus on broadening digital platforms.