The big idea is that because transactions are public, irreversible, mostly unbackable, and controlled by the people, users and their digital finances are more protected.

Of course, many benefits come with cryptocurrency.

Cryptocurrencies are inherently cryptic — it's right there in the name. And if you follow Warren Buffett's advice to never invest in businesses you can't understand, it may be hard to justify investing in a currency made of math instead of gold.

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