I do not see the real convenience of providing such a banking service. As I understand it, besides the fact that we will pay a commission for bitcoin transactions, will you still have to pay the bank one percent of the transfer amount? It turns out a bit too much. In addition, with such a bank account with a built-in bitcoin wallet, we will be constantly under the supervision of the bank and the government. Something is not very attractive to such a bank account. I don’t know, maybe in some life situations the presence of such a bank account will be beneficial, let's see how people will react to this.

Honestly, I do not like the tough price dominance of bitcoin in the cryptocurrency market. Of course, there are many useless altcoins on the market, but I would prefer that each of them develop without such dominance. Now, even the best altcoin projects have been in a price decline for almost two years due to bitcoin. Because of this, many began to lose their general interest in cryptocurrency. I think that the price dominance of bitcoin will not last long anyway. The cryptocurrency market will find a way to harmonize the relations of its participants.

I see no signs that with the advent of bitcoin or cryptocurrencies, in general, paper money shows any signs of its disappearance. In my opinion, cryptocurrency will not revolutionize financial relations, as many assume. Of course, the influence of cryptocurrency, especially with the growing interest in it of ordinary users, is huge. However, cryptocurrency will occupy only its niche among other means of payment and will go along with the national money of states. There are many prospects for its use when combined with other types of means of payment, however, bitcoin or other cryptocurrency will not be able to replace the traditional payment systems or become dominant among them.

The attitude to cryptocurrency largely depends on the first experience with cryptocurrency. If the result was positive, then the attitude towards it will be appropriate in the future. Also, such an attitude will largely depend on the degree of help from others, if a beginner in cryptocurrency has certain problems. Many sometimes face technical difficulties and, not knowing how to solve them, simply leave the cryptocurrency.

Coins of states and their governments can hardly be called private. They are created on behalf of the state as national coins. Such coins in most cases are created as stable coins and in fact are the same currencies, only in digitized form. Such coins are likely to be in demand.
At the same time, most tokens can be called private, since they are often created for a private business.
A cryptocurrency of states similar to the CBDC Chinese coin will continue to appear. This is inevitable and there is nothing we can do about it. Yes, and is it worth it?

I think that this time in Ukraine they quickly legalize cryptocurrency. The president and parliament work harmoniously and efficiently. However, it will nevertheless take some time to get to this law, because several thousand bills are waiting for consideration. It should also be borne in mind that several good bills have already been submitted to the Verkhovna Rada of Ukraine and each of them can be taken as a basis.
So far, President Zelensky has lived up to the expectation of the people, although there are mistakes that an inexperienced politician will surely have.

This is already happening through the creation by states of their stable coins. Now this is clearly seen in connection with the creation by the Chinese government of its own stable coin CBDC, which is actually a digital yuan.
Although these coins are completely different from a decentralized cryptocurrency, they can have a significant impact on it, since people can use stable coins more as a means of payment. This will have both positive and negative sides. Cryptocurrency continues to evolve.

For a long time, the cryptocurrency market has practically stood still and this is not characteristic of such a market. Especially in the fourth quarter of the year, when usually at this time cryptocurrency traditionally grows in value. True, in the last two years, the market is more in stagnation or decline, especially for altcoins. This year, bitcoin showed a good price increase only in the second quarter, increasing almost four times, however, altcoins reacted very weakly to this growth of bitcoin and this was quite unusual for the cryptocurrency market.
Now we still expect a significant increase in the price of cryptocurrency, however, this market has recently been giving us some surprises.

This is the latest report of the G7 countries working group and the Bank for International Settlements regarding stable coins and bitcoins. In general, for the first time I see such a negative assessment regarding stable coins, including bitcoins. It seems that banks are concerned about the increasing role of stable coins in financial relations. Most likely, this is just the subjective opinion of the members of this group.

Over time, the valuation of decentralized cryptocurrencies by governments and banks will change, and possibly not for the better. So, recently in a recent report, G7 countries and the Bank for International Settlements announced that bitcoin and other cryptocurrencies are not a safe investment and a reliable repository of value. While there is nothing dangerous for cryptocurrency, however, nothing good is also here. You should probably expect that the legalization of a decentralized cryptocurrency will slow down again or will not be fast enough.

Apparently, it meant that 21 million bitcoins will be mined, but over time, in fact, their number will decrease due to natural decline. Already today, more than six million bitcoins from the extracted 18 million have been irretrievably lost. Over time, the number of lost bitcoins will increase. Therefore, over time, the number of working bitcoins will decrease and the time will come when there will be very few of them.
Of course, given the fact that Bitcoin is planned to be mined before 2140, these will not be our problems.

Now Bitcoin is used primarily as a means of accumulating value, since in general it increases in value every year. To a large extent, this is why it is very poorly used as a means of payment. What happens if bitcoin stops growing in price? I often ask myself this question. In my opinion, if this happens, the demand for it will drop sharply, and therefore the price for it will fall. Will it ever be used consistently as a means of payment? There are also many questions and insoluble problems.
At the same time, cryptocurrency as a whole is rapidly developing and improving. Its circulation in the future together with the usual currency is already undeniable.

The cryptocurrency market is developing cyclically, with periodic periods of ups and downs. Now it’s just a period of relative calm and nothing more. I do not see any threat to the existence of cryptocurrency. We have problems with the activities of ICOs, however, they are temporary and the market will surely find a way to solve them. Now there is a gradual legalization of cryptocurrency by states and this process has a positive effect on its popularity.
Since the price of bitcoin and other cryptocurrencies has been practically in place for quite some time, and a long pause is not peculiar to this market, given that we entered the last quarter of the year, I think that we will soon see good news.

In any case, it is very good that there are so many types of cryptocurrency. Thanks to competition, it is developing and improving very quickly now. If there were no altcoins, the cryptocurrency market would be boring and hardly as popular as it is now. As for the price of bitcoin, if it remained the only cryptocurrency, then it is difficult to say anything. Most likely, in 2017 we would not see its price of about $ 20,000, the market capitalization would be much lower.
In any case, we have a lot of types of cryptocurrency and now there will always be a lot of them.

I think that the presence of stable coins has a positive effect on the popularity of ethereum. At the same time, given that they use the ethereum network to a greater extent, this dramatically increased the load on the network. They call the figure a 40 percent increase in the load due to transactions with stable coins. Therefore, the scalability problem is more than ever before ethereum. Hope for upcoming improvements to this coin.

In general, the idea of ​​holding a fundraiser in the ICO format itself is pretty good. Thanks to the ICO, everyone has the opportunity to participate in the improvement of cryptocurrency and this method is the most simple and convenient. However, in order for ICO activities to work and develop normally, certain conditions are necessary, including the regulation of these activities by states in order to avoid such a high level of fraud, which exists now.
The decline in popularity of ICO projects is now also associated with the poor state of the cryptocurrency market and therefore investors now do not risk investing their money in ICOs.
I think that a good time for the ICO will be back.

Of course, cryptocurrency cannot and will not resist the current payment systems. It will either integrate into current payment systems, or will be forgotten over time. It is most likely that cryptocurrency will supplement the list of existing payment systems and will work together with them. Cryptocurrency has many revolutionary advantages over other payment systems, but there are also disadvantages. Humanity must take advantage of all payment systems and create something one and the same.

Do not rush things. The world will develop in the same way as it did before this time. No cryptocurrency will change the course of history, even in the world of finance. Of course, cryptocurrency already has a great influence on the financial world, however, it will be just another financial asset that will occupy its niche among others. Fiat will not go anywhere and will continue to exist. Under no circumstances can cryptocurrency replace traditional payment systems. National money will exist until one superstate remains in our world. Of course, if at all possible.

That makes little difference. If Satoshi Nakamoto upgraded the blockchain to its current form and created Bitcoin, it will nevertheless be considered the creator of both Bitcoin and blockchain technology. In our world, almost all ingenious ideas are not born from scratch, certain developments must exist before this and be preceded by the appearance of such an idea. Even now we know the general achievements of inventions that will be applied in the future. For example, it is predicted that humanity will soon launch in the near-earth orbit daa artificial suns that will constantly illuminate our planet. It will be a ball, approximately six meters in diameter, in which approximately the same nuclear reaction will take place, which is now taking place in the sun. However, only he will be considered its inventor who implements this in practice.

In the meantime, the common opinion of the G-20 states and the European Union states is that cryptocurrency is not a threat to global financial stability, which means that governments should not be afraid of the existence of cryptocurrency. What will happen in this matter in the future, no one knows. For now, governments will establish general rules for cryptocurrency circulation and try to influence it from various angles. This will be a long process of confrontation. The cryptocurrency will also be improved and in another ten years we may not recognize it. I can’t even say - it will be good or bad. We just have to watch this process and, just in case, accumulate coins and tokens.