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Investment in cryptocurrencies is viewed with duality in the world. On one side, financial institutions and countries like the USA and El Salvador adopt Bitcoin and ETFs, recognizing its potential as a store of value and a hedge against inflation. On the other side, regulators (such as the IMF and ECB) warn about volatility, fraud risks, and environmental impact. China bans transactions, while the EU advances with MiCA for safe regulation. In the market, the high adoption of stablecoins and DeFi attracts investors, but scandals (FTX) generate mistrust. Cryptocurrencies remain a high-risk/high-reward bet, dividing opinions between "the future of finance" and a speculative bubble.