The article discusses the current research on cryptocurrency, a digital currency using blockchain technology. Cryptocurrency can help countries digitize their economies, leading to better efficiency and access for citizens. There are three types of cryptocurrencies: those issued by central banks, private institutions, and peer-to-peer assets. To ensure safe and ethical use, strong regulations, ethics guidelines, and risk-benefit studies are needed. The research highlights the importance of understanding users' psychology, enforcing laws, and maximizing societal benefits.