The article explores how money is evolving in the 21st century, focusing on technological changes like electronic money. It suggests that global currency, regional unions, and states controlling money may not happen. Cryptocurrencies might struggle due to their decentralized nature. The study found that when inflation goes up, people tend to keep money in longer-term deposits, including cryptocurrency. Also, an increase in certain interest rates can reduce the money supply, while a rise in the price of bitcoin can increase overall money in the economy.