Cryptocurrency is a digital or virtual currency that uses cryptography for security and is decentralized, meaning it's not controlled by any government or financial institution. It operates on a peer-to-peer network, allowing for fast and secure transactions without intermediaries. The most popular cryptocurrencies include Bitcoin and Ethereum, which use blockchain technology to record transactions. Cryptocurrencies can offer lower transaction fees, faster transactions, and enhanced privacy, but they also come with risks like volatility and regulatory concerns. With thousands of cryptocurrencies available, investors can diversify their portfolios, but it's essential to do thorough research before investing.¹ ²