Digitalization and Blockchain have changed how money works. Early cryptocurrencies like Bitcoin had problems with stability and transparency. But now, stable coins are fixing these issues. Facebook and Telegram are working on big digital currency projects that could go global fast. This could help people in developing countries where local currencies are unstable. Central banks are also thinking about making their own digital currencies. If this happens, it could lead to a competition between central banks and commercial banks for deposits, changing how the banking system works.