Virtual currencies or crypto-currencies, led by bitcoin, have experienced a tremendous growth in popularity. Until recently, few had heard of them, much less used them.
But their development, with all of its benefits as well as issues, has been remarkable and continues transforming the financial landscape. However, virtual currencies operate outside the banking system and are still not recognized as currency by states and governments. Accordingly, it is yet to be widely accepted by the various players involved in domestic and international commerce.
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