Digital Money and Digital Transition


  • Aritia Pintilie Danubius University
  • Regina Coforea Danubius University
  • Andreea Margareta Popa Danubius University
  • Dan Alexandru Hotnog Danubius University
  • Ionela Ariton Danubius University
  • Rebeca Beatrice Beniuga Danubius University
  • Daniela Olaru Danubius University
  • Cosmina-Luminita Cerchez Danubius University


Crypto assets are digital assets that can be used as a medium of exchange or for investment. Unlike traditional banking instruments, they do not require a central ledger, relying on distributed ledger technology that allows transactions to be securely recorded across a network of computers. At the same time, crypto assets are not private; they are not issued or guaranteed by a central bank or public authority. Cryptocurrencies are now used as a means of payment and are a full-fledged asset class in the portfolios of investors worldwide. On the other hand, cryptocurrencies are still considered among the most volatile and risky assets.