🔹A financial safety cushion is a necessity. The idea of including cryptocurrencies in its composition generates a lot of discussions!

🔹Although the cryptocurrency market is maturing, volatility remains significant. For example, $BTC can experience fluctuations of tens of percent over short periods. This makes cryptocurrencies unsuitable for short-term financial cushion needs.

🔹Regulation of cryptocurrencies is actively developing. For example, in the European Union, law #MiCA has been adopted, which establishes clear rules for cryptocurrency assets. These changes can have both positive and negative impacts on the value of cryptocurrencies.

🔹There is growing interest from institutional investors, such as hedge funds and large companies. This could increase liquidity and stability in the market but may also lead to greater correlation with traditional financial markets.

🔹Stablecoins tied to stable assets, such as the US dollar, may be more suitable for part of the financial cushion. However, they also carry risks related to the issuer and regulation.

🔹#CBDC Many central banks are exploring the possibility of issuing their own digital currencies.