Digital currencies have made a big splash over the past few years, from Libra/Diem and private stablecoins like USDC and Tether, to central banks around the world exploring digital versions of their own fiat currencies. But moving beyond the hype, how are the various types of digital currencies actually being used today, and how do market participants envision them being used in the future? What are the critical attributes for these digital currencies to be widely accepted as forms of money, and which characteristics are most important for different use cases? What are the barriers to adoption or hurdles that must be overcome?
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