{"id":35627,"date":"2022-12-16T06:53:45","date_gmt":"2022-12-16T06:53:45","guid":{"rendered":"https:\/\/codeandpepper.com\/?p=35627"},"modified":"2022-12-16T10:06:48","modified_gmt":"2022-12-16T10:06:48","slug":"latest-digital-currency-news-february-march-2022","status":"publish","type":"post","link":"https:\/\/codeandpepper.com\/latest-digital-currency-news-february-march-2022\/","title":{"rendered":"Latest Digital Currency Trends and Their Impact on FinTech Product Development"},"content":{"rendered":"\n<p>Central Bank Digital Currencies (CBDC) are among the strong trends emerging today in the FinTech world. The latest digital currency trends show that turning to the elimination of cash, implementing blockchain, and developing digital wallets are pillars of what might come in the future. A cashless society with billions of financial operations per minute. There are, however, counter actions from major markets. China blocked the usage of crypto, Russia is thinking about it. Where is it all going and what consequences to FinTech will it spawn?<\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends.jpeg\" alt=\"Latest digital currency news (february and march 2022)\" class=\"wp-image-35634\" width=\"864\" height=\"450\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends.jpeg 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-300x156.jpeg 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-768x400.jpeg 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-80x42.jpeg 80w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-119x62.jpeg 119w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-361x188.jpeg 361w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-433x226.jpeg 433w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-192x100.jpeg 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-720x375.jpeg 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2022\/03\/Current-Digital-Currencies-Trends-432x225.jpeg 432w\" sizes=\"auto, (max-width: 864px) 100vw, 864px\" \/><\/figure><\/div>\n\n\n\n<p>A lot is going on lately, so let\u2019s dive into the swirl.<\/p>\n\n\n<h4>Table of contents<\/h4>\n\n\n<ul class=\"wp-block-list\"><li><a href=\"#Latest crypto news \u2013 Bitcoin\u2019s shortness of breath in context\">Latest crypto news \u2013 Bitcoin\u2019s shortness of breath in context<\/a><\/li><li><a href=\"#Digital currency news \u2013 China banned cryptocurrencies but goes with NFTs\">Digital currency news \u2013 China banned cryptocurrencies but goes with NFTs<\/a><\/li><li><a href=\"#War on Ukraine could be a turning point for cryptocurrency\">War on Ukraine could be a turning point for cryptocurrency<\/a><\/li><li><a href=\"#Perspectives for Central Bank Digital Currencies\">Perspectives for Central Bank Digital Currencies<\/a><\/li><li><a href=\"#Unexpected use cases of blockchain\">Unexpected use cases of blockchain<\/a><\/li><li><a href=\"#What do all these changes mean for FinTech?\">What do all these changes mean for FinTech?<\/a><\/li>\n\n\n\n<section id=\"Latest crypto news \u2013 Bitcoin\u2019s shortness of breath in context\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Latest crypto news \u2013 Bitcoin\u2019s shortness of breath in context {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-latest-crypto-news-bitcoin-s-shortness-of-breath-in-context\">Latest crypto news \u2013 Bitcoin\u2019s shortness of breath in context<\/h2>\n\n\n\n<p>Bitcoin, an undisputed star of the DeFi market, has caught a dose of reality. In March, Bitcoin\u2019s price rose above and then plummeted below $40,000 after president Joe Biden <a href=\"https:\/\/time.com\/nextadvisor\/investing\/cryptocurrency\/biden-executive-order-crypto-expert-reaction\" rel=\"nofollow\">signed an executive order on cryptocurrency<\/a>. Bitcoin jumped by 10% to $42,000 but the surge was short-lived; executive order was announced and few things have changed.<\/p>\n\n\n\n<p>&nbsp;Bitcoin&#8217;s weaker form is an element of a bigger picture. White House wants to control cryptocurrencies, especially in the light of the war in Ukraine (more on that later). Before that, Bitcoin has been lagging due to the information that the Federal Reserve will be raising rates to fight inflation. Regulators continued to show interest in stronger control over DeFi currencies.&nbsp;<\/p>\n\n\n\n<p>With the announcement of a possible government-issued digital currency and similar plummeted rates of Ethereum, which followed a similar pattern, Bitcoin\u2019s condition was weaker since July 2021. With the stock market&#8217;s worst month since March 2020, the short perspective is not clear. Although Bitcoin entered 2022 on a relatively high note, the current climate around digital currencies presents some challenges.<\/p>\n\n\n\n<section id=\"Digital currency news \u2013 China banned cryptocurrencies but goes with NFTs\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Digital currency news \u2013 China banned cryptocurrencies but goes with NFTs {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-digital-currency-news-china-banned-cryptocurrencies-but-goes-with-nfts\">Digital currency news \u2013 China banned cryptocurrencies but goes with NFTs<\/h2>\n\n\n\n<p>In one of the biggest crackdowns the country has ever seen, last year <a href=\"https:\/\/fortune.com\/2022\/01\/04\/crypto-banned-china-other-countries\" rel=\"nofollow\">China banned cryptocurrency<\/a> trading and mining operations. At the same time, China is going with the digital yuan (more in the section about CBDCs) and non-fungible tokens (NFTs). As long as these two are under the control of the communist party, deciding factors seem to be OK with it.&nbsp;<\/p>\n\n\n\n<p>Chinese state-backed blockchain company called Blockchain Services Network introduced an infrastructure allowing to buy, sell and make NFTs. He Yifan, chief executive of Red Date Technology, a company that provides technical support to BSN, <a href=\"https:\/\/www.scmp.com\/tech\/policy\/article\/3163094\/china-create-own-nft-industry-based-state-backed-blockchain\" rel=\"nofollow\">told South China Morning Post<\/a> that NFTs \u201chave no legal issues in China\u201d so far they are not connected to cryptocurrencies, which became illegal in the country.&nbsp;<\/p>\n\n\n\n<p>Interestingly enough, through the BSN Network, China will use adopted blockchains from Ethereum and some other currencies that meet local regulatory demands. One of them is the mandate to verify the identities of all digital currency users and give a free pass for the government to intervene in case of any \u201cillegal activities\u201d. Plus, BSN will allow users to buy NFTS only with yuan (soon: digital yuan). Obviously, there won\u2019t be an option to buy or sell them with common DeFi assets used outside of China.<\/p>\n\n\n\n<p>It&#8217;s an interesting turning point because up until 2022, NFTs were operating on the verge of a legal grey zone. Signs of change weren\u2019t visible until December 2021, when state-owned newswire Xinhua <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-12-22\/china-s-state-media-xinhua-to-issue-nfts-amid-crypto-crackdown?sref=O17fWJNl\" rel=\"nofollow\">launched its NFT collectibles<\/a>.&nbsp;<\/p>\n\n\n\n<p>The market seems to be opening up for non-fungible tokens, but it plays by original rules. Another example: companies are not allowed to capitalize on surging NFT interest, and private users <a href=\"https:\/\/asia.nikkei.com\/Spotlight\/Caixin\/NFTs-in-China-and-their-uncertain-future-An-in-depth-report\" rel=\"nofollow\">can\u2019t resell them<\/a>.&nbsp;<\/p>\n\n\n\n<p>According to He Yifan, BSN actions will solve a major problem with Chinese NFTs. Currently, tokens are hosted by private companies that don\u2019t experience interactions between them. According to his statement for South China Morning Post, BSN will operate across multiple chains to create the state\u2019s largest NFT marketplace.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-china-can-spearhead-the-global-nft-revolution\">China can spearhead the global NFT revolution<\/h3>\n\n\n\n<p>Or at least be a trendsetter. \u201cDigital collectibles\u201d seems to be an oxymoron there for everything related to NFT. Proof? Both Alibaba and Tencent launched their token platforms back in October 2021. In both cases, NFTs are called \u201ccollectible items\u201d. Meaning that it\u2019s something between a fully-blown technology that is understood in the West and Pokemon cards. You can make money out of it, but don\u2019t treat it that seriously.&nbsp;<\/p>\n\n\n\n<p>The business model is also different. China detaches copyright or \u201cdigital property right certification\u201d from any cryptocurrency. What in the West is a law that helps avoid scams or frauds with fake digital coins, in China seems to be irrelevant.<\/p>\n\n\n\n<p>One of the main factors separating Chinese NFT from others can be called professionally-created content and user-created content. There are also four major differences involving the transaction model. They are regarding blockchain, trading currencies, volatility, and copyright. You can read about it in the article on <a href=\"https:\/\/www.campaignasia.com\/article\/why-nft-trends-in-china-may-point-to-the-future-of-nfts-globally\/475771\" rel=\"nofollow\">the latest digital currency trends for Campaign<\/a>.<\/p>\n\n\n\n<section id=\"War on Ukraine could be a turning point for cryptocurrency\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #War on Ukraine could be a turning point for cryptocurrency {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-war-on-ukraine-could-be-a-turning-point-for-cryptocurrency\">War on Ukraine could be a turning point for cryptocurrency<\/h2>\n\n\n\n<p>Digital money should be borderless, but everything that\u2019s \u201cnatural\u201d, ended a few weeks ago. At least for some time. On one hand, <a href=\"https:\/\/www.cnbc.com\/2022\/03\/03\/ukraine-raises-54-million-as-bitcoin-donations-surge-amid-russian-war.html\" rel=\"nofollow\">Ukraine\u2019s supporters raised $54 million<\/a> in cryptocurrency donations. On the other hand, crypto in Russia faced international sanctions launched by the West.&nbsp;<\/p>\n\n\n\n<p>Now, at the very core of cryptocurrency lies libertarianism. The idea of quasi-freedom embedded in digital records. With a big country caught of from many technologies and a serious military conflict at the borders of NATO, there\u2019s a question of how independent and fragile at the same time, crypto is.<\/p>\n\n\n\n<p>Especially in the face of sprawling <a href=\"https:\/\/economictimes.indiatimes.com\/industry\/energy\/power\/bitcoin-uses-more-electricity-than-many-countries\/power-guzzler\/slideshow\/86199169.cms\" rel=\"nofollow\">reports and articles<\/a>, when the amount of energy needed to power up the crypto economy or dig particular currencies, is bigger than entire countries. Which, in the face of rising awareness about environmental, social, and governance (ESG) goals, could be a challenge.&nbsp;<\/p>\n\n\n\n<p>Cryptocurrency matured from fringe technology to mainstream. Everyone is talking about <a href=\"https:\/\/codeandpepper.com\/blockchain-uses-who-is-using-blockchain-technology-today\">blockchain<\/a> and its possible uses (more on that in the section on unexpected usage of this tech). No digital currency news and latest digital currency trends digest can\u2019t go around without at least some notion of crypto being a major social, geopolitical, and market sensation.<\/p>\n\n\n\n<p>The point? Sanctions are one thing, market reality is another. Major Russian banks were cut off from the SWIFT system, but Binance CEO Changpeng Zhao, when asked about freezing all Russian user\u2019s assets, said \u201cwe don\u2019t think we have the authority to do so\u201d. So, business as usual?<\/p>\n\n\n\n<section id=\"Perspectives for Central Bank Digital Currencies\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Perspectives for Central Bank Digital Currencies {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-perspectives-for-central-bank-digital-currencies\">Perspectives for Central Bank Digital Currencies<\/h2>\n\n\n\n<p>Maybe not, since governments are thinking about, if not already implementing, their own digital currencies. A CBDC is issued and regulated by a country\u2019s monetary authority or central bank. In theory, CBDCs promote financial inclusion and simplify monetary and fiscal policies. With time, they can be, at the very least in some cases, a real alternative for today\u2019s alternatives. Like Bitcoin and Ethereum that can suffer the most (due to popularity and volume sizes).<\/p>\n\n\n\n<p>The problem with CBDCs is the same as their nature \u2013 digital. A cyber-attack could flatten the economy, creating ripples across industries, markets, and generations of software. Not to mention social generations. People without access to money equals chaos.&nbsp;<\/p>\n\n\n\n<p>CBDC offers the public broad access to digital money. By being free from credit and liquidity risk, it can appeal to many because it will reduce or even tear down barriers to financial inclusion. It will also lower transaction costs, which is important for <a href=\"https:\/\/codeandpepper.com\/fintech-trends-2021-global-outlook\/\">unbanked and low-income households<\/a>. Simplification of distribution channels, along with opportunities for cross-jurisdictional collaboration and interoperability can also be viewed as a plus.<\/p>\n\n\n\n<p>On the downside, CBDC can change the structure of the U.S. financial system, altering the roles and responsibilities of the private sector and central banks. That can alter reserve supplies in the banking system and affect the implementation of monetary policy. Also, the central bank would need to develop mechanisms for guarding customer privacy rights.<\/p>\n\n\n\n<p>Talking about it, also in the context of the war in Ukraine, is one of the latest crypto news out there. Projecting what might come next is difficult, but as we see later, there are no guarantees that the status quo is given once and for all. Who knows if a new major crisis will not spawn a rise of CBDCs across the world? It\u2019s more than probable.&nbsp;<\/p>\n\n\n\n<section id=\"Unexpected use cases of blockchain\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Unexpected use cases of blockchain {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unexpected-use-cases-of-blockchain\">Unexpected use cases of blockchain<\/h2>\n\n\n\n<p>Another latest digital currency trend is to\u2026 observe the trends. Of unexpected blockchain usage, that is. There are a few interesting cases.<\/p>\n\n\n\n<p>The IBM-powered project called <a href=\"https:\/\/www.trustchainjewelry.com\/\" rel=\"nofollow\">TrustChain<\/a> aims to eliminate or at least reduce fraud and theft in the jewelry world. Let\u2019s take gemstones. Establishing value is naturally linked to topics like mining sites, previous owners, price histories, and jewelry makers. Paper trail can be forged or can create a minefield of interpretation. IBM wants to change that.<\/p>\n\n\n\n<p><a href=\"https:\/\/cannasos.com\/\" rel=\"nofollow\">CannaSOS<\/a>, a blockchain-enabled social platform allows users to interact with each other and review marijuana varieties.<\/p>\n\n\n\n<p>French hypermarket Carrefour got the \u201c<a href=\"https:\/\/www.canneslions.com\/enter\/awards\/experience\/creative-business-transformation\" rel=\"nofollow\">Creative Business Transformation Award<\/a>\u201d on the International Ad Festival Cannes Lions. The \u201cAct for food\u201d campaign for using blockchain in an unusual way. The company tracks products sold in the markets and eliminates those which had antibiotics and pesticides.&nbsp;<\/p>\n\n\n\n<section id=\"Stablecoins will get more prominence\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Stablecoins will get more prominence {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-stablecoins-will-get-more-prominence\">Stablecoins will get more prominence<\/h2>\n\n\n\n<p>Harsh crypto winter and the fall of FTX drives investors towards safe havens. $8 billion dollars of FTX debt is a reason enough to search for stable assets. Volatile cryptocurrencies like Bitcoin and Ethereum should not fall in the upcoming year but 2023 will definitely be the year of stablecoins.<\/p>\n\n\n\n<p>Interestingly enough, Cardano will launch a new and algorithmic stablecoin in January 2023. The crypto will be backed by excess collateral in the form of crypto stored in a reserve. The crypto itself will be called Djed. It&#8217;s designed to create a reserve of base coins while minting and burning various other stable assets and reserve coins. This, at least in theory, make transations more predictible.<\/p>\n\n\n\n<p>Djed is not the only crypto coming to Cardano. The next is called USDA. It will be a fully-regulated stablecoin. Developed by Cardano\u2019s founding entity Emurgo, $USDA is a USD-pegged stablecoin that will anchor lending and borrowing, crypto-backed card payments, and bridges connecting traditional finance (TradFi) and decentralized finance (DeFi) within the Cardano blockchain ecosystem.<\/p>\n\n\n\n<p>This proves stablecoins will get more prominence in 2023. Investors and customers alike will back more stable projects and employees earning monthly salary will crypto should be more convinced to switch to stable havens.<\/p>\n\n\n\n<section id=\"NFTs might not get a second wind\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #NFTs might not get a second wind {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nfts-might-not-get-a-second-wind\">NFTs might not get a second wind<\/h2>\n\n\n\n<p>We are still careful in our predictions but all the signs points towards one thing: this ship has tanked. Non-fungible tokens (NFTs) were extremely popular in 2021. 2022 was the year of market verification. People are not interested, period. The market is viewed as a scam and NFTs don&#8217;t hold value their emitters claim they have.<\/p>\n\n\n\n<p><a href=\"https:\/\/opensea.io\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Opensea<\/a>, the world\u2019s first and largest marketplace for digital collectables and NFTs, registered the largest drop in monthly trading volume. From $4.86 billion in January 2022, down by a staggering&nbsp;<a href=\"https:\/\/twitter.com\/CryptoRank_io\/status\/1587116425352806402\/photo\/1\" target=\"_blank\" rel=\"noreferrer noopener\">94%<\/a>, to $303 million in October 2022.<\/p>\n\n\n\n<p>We will explore the subject in the next article, exclusively about the NFT market. We will magnify the trends and set the stage for 2023 and beyond. Looking forward to meet you there!<\/p>\n\n\n\n<section id=\"What do all these changes mean for FinTech?\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #What do all these changes mean for FinTech? {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-do-all-these-changes-mean-for-fintech\">What do all these changes mean for FinTech?<\/h2>\n\n\n\n<p><strong>The democratization of money management is a huge part of the FinTech industry. <\/strong>In the light of recent developments on a global stage, this democratization can be questioned, or even blocked. It can also evolve into something new. Maybe there will be a total elimination of cash, sure looks that way. Maybe CBDCs will be currencies of the future. Or maybe something else will happen.<\/p>\n\n\n\n<p>A new form of crypto, that will cross borders, despite conflicts and local turmoil. At this stage, one thing is for sure. <a href=\"https:\/\/codeandpepper.com\/services\/digital-transformation-it-services\">Digital transformation<\/a> efforts should be at the top of the list for many companies out there.&nbsp;<\/p>\n\n\n\n\n\n<section id=\"contact\" class=\"contact-block block common-block \">\n  <div class=\"container\">\n\n\n    \n  <svg class=\"wave\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"280\" height=\"9\" viewBox=\"0 0 280 9\">\n    <path fill=\"currentColor\" fill-rule=\"evenodd\" d=\"M0 3.6c2.88 0 4.18-.668 5.824-1.515C7.724 1.108 9.879 0 13.998 0c4.12 0 6.274 1.108 8.175 2.085 1.644.847 2.943 1.515 5.823 1.515 2.88 0 4.179-.668 5.824-1.515C35.72 1.108 37.874 0 41.995 0c4.12 0 6.274 1.108 8.174 2.085 1.645.847 2.945 1.515 5.824 1.515 2.88 0 4.18-.668 5.826-1.515C63.719 1.108 65.873 0 69.993 0c4.12 0 6.274 1.108 8.174 2.085 1.645.847 2.945 1.515 5.823 1.515 2.88 0 4.18-.668 5.825-1.515C91.715 1.108 93.87 0 97.99 0c4.12 0 6.273 1.108 8.174 2.085 1.645.847 2.945 1.515 5.823 1.515 2.88 0 4.178-.668 5.824-1.515 1.9-.977 4.054-2.085 8.173-2.085 4.12 0 6.273 1.108 8.174 2.085 1.646.847 2.945 1.515 5.825 1.515 2.88 0 4.18-.668 5.826-1.515 1.9-.977 4.055-2.085 8.175-2.085 4.12 0 6.273 1.108 8.174 2.085 1.646.847 2.945 1.515 5.825 1.515 2.88 0 4.179-.668 5.824-1.515 1.9-.977 4.054-2.085 8.175-2.085 4.12 0 6.274 1.108 8.175 2.085 1.646.847 2.946 1.515 5.826 1.515 2.88 0 4.18-.668 5.826-1.515 1.9-.977 4.054-2.085 8.175-2.085 4.12 0 6.273 1.108 8.174 2.085 1.646.847 2.945 1.515 5.825 1.515 2.881 0 4.18-.668 5.827-1.515 1.9-.977 4.056-2.085 8.176-2.085 4.121 0 6.276 1.108 8.177 2.085 1.646.847 2.946 1.515 5.827 1.515s4.181-.668 5.828-1.515C259.718 1.108 261.873 0 265.995 0c4.121 0 6.275 1.108 8.177 2.084 1.645.848 2.946 1.516 5.828 1.516V9h-.007l-5.252-.793c-1.129-.382-2.056-.848-2.919-1.291-1.646-.847-2.946-1.516-5.827-1.516-2.882 0-4.183.669-5.829 1.516-1.9.977-4.056 2.084-8.177 2.084-4.12 0-6.275-1.107-8.176-2.084-1.647-.847-2.947-1.516-5.828-1.516-2.88 0-4.18.669-5.827 1.516-1.9.977-4.055 2.084-8.176 2.084-4.12 0-6.273-1.107-8.175-2.084-1.645-.847-2.944-1.516-5.824-1.516s-4.18.669-5.826 1.516c-1.9.977-4.055 2.084-8.175 2.084-4.12 0-6.275-1.107-8.176-2.084-1.644-.847-2.945-1.516-5.825-1.516-2.88 0-4.18.669-5.825 1.516-1.9.977-4.054 2.084-8.174 2.084-4.12 0-6.274-1.107-8.176-2.084-1.644-.847-2.943-1.516-5.823-1.516-2.88 0-4.18.669-5.826 1.516-1.9.977-4.054 2.084-8.175 2.084-4.12 0-6.274-1.107-8.174-2.084-1.646-.847-2.946-1.516-5.825-1.516s-4.179.669-5.824 1.516c-1.9.977-4.053 2.084-8.173 2.084s-6.273-1.107-8.173-2.084c-1.645-.847-2.945-1.516-5.824-1.516-2.88 0-4.179.669-5.824 1.516C90.265 7.893 88.11 9 83.99 9c-4.12 0-6.273-1.107-8.173-2.084-1.645-.847-2.944-1.516-5.824-1.516s-4.18.669-5.825 1.516C62.268 7.893 60.113 9 55.993 9c-4.12 0-6.274-1.107-8.174-2.084-1.645-.847-2.945-1.516-5.824-1.516-2.88 0-4.18.669-5.825 1.516C34.27 7.893 32.116 9 27.996 9c-4.12 0-6.273-1.107-8.174-2.084-1.645-.847-2.945-1.516-5.824-1.516s-4.179.669-5.824 1.516C7.311 7.359 1.127 8.618 0 9\"\/>\n<\/svg>\n\n<h2 class=\"block-title section-title\">\n  Let&#8217;s talk about your project!<\/h2>\n\n\n  <div class=\"block-description typography-body\">\n    <p>Trends come and go but good products and flexible management can handle the market. Let&#8217;s talk about helping you achieve your business goals.<\/p>\n  <\/div>\n\n    \n          <div class=\"contact-block-person\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"90\" height=\"90\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-90x90.png\" class=\"contact-block-person-image\" alt=\"\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-90x90.png 90w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-150x150.png 150w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-140x140.png 140w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-160x160.png 160w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6-136x136.png 136w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/09\/Olga_Pogorzelska_online-6.png 200w\" sizes=\"auto, (max-width: 90px) 100vw, 90px\" \/>        <div class=\"contact-block-person-text\">\n          <div class=\"typography-title-m\">\n            Olga Pogorzelska          <\/div>\n          <div class=\"typography-body-medium\">\n            New Business          <\/div>\n        <\/div>\n      <\/div>\n    \n\n    <form class=\"contact-form\" method=\"POST\" action=\"https:\/\/codeandpepper.com\/wp-admin\/admin-ajax.php\">\n            <amp-recaptcha-input layout=\"nodisplay\" name=\"recaptcha_token\" data-sitekey=\"6LeEo8cqAAAAABpahzrYQeEsO-xoutAjoIkrKpTB\" data-action=\"contact_block\"><\/amp-recaptcha-input>\n            <input type=\"hidden\" name=\"action\" value=\"contact_block_submit\" \/>\n      <input type=\"hidden\" name=\"block\" value=\"smallContactForm\" \/>\n      <input id=\"contact-email\" type=\"email\" name=\"email\" placeholder=\"Email\" class=\"gtm_form_input\" required>\n      <label for=\"contact-email\" class=\"contact-block-hidden-label\">Email<\/label>\n      <input id=\"contact-name\" type=\"text\" name=\"name\" placeholder=\"Full name\" class=\"gtm_form_input\" required>\n      <label for=\"contact-name\" class=\"contact-block-hidden-label\">\n        Full name      <\/label>\n\n      <input type=\"submit\" name=\"submit\" value=\"GET A QUOTE\" class=\"gtm_form_submit btn-big\">\n\n      <div submitting>\n      <\/div>\n      <div id=\"TYPSmallForm\" class=\"submit-msg submit-success\" submit-success>\n        <template type=\"amp-mustache\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\">\n    <g fill=\"none\" fill-rule=\"evenodd\">\n        <g stroke=\"#FFF\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" transform=\"translate(1 1)\">\n            <path d=\"M17 8.5l-7.5 7L7 13\"\/>\n            <circle cx=\"12\" cy=\"12\" r=\"11.5\"\/>\n        <\/g>\n        <path d=\"M1 1h24v24H1z\"\/>\n    <\/g>\n<\/svg>\n          Your message has been sent. 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0-6.273-1.107-8.174-2.084-1.645-.847-2.945-1.516-5.824-1.516s-4.179.669-5.824 1.516C7.311 7.359 1.127 8.618 0 9\"\/>\n<\/svg>\n\n<h2 class=\"block-title section-title\">\n  Related posts<\/h2>\n\n\n\n    <div>\n      <div class=\"related-posts\">\n                  <div class=\"related-post\">\n            <h3 class=\"related-post-title typography-title-m\">\n              <a href=\"https:\/\/codeandpepper.com\/application-performance-in-fintech\/\" title=\"Application Performance in FinTech Products\">\n                Application Performance in FinTech Products              <\/a>\n            <\/h3>\n                          <a class=\"related-post-thumbnail\" aria-label=\"Application Performance in FinTech Products\" href=\"https:\/\/codeandpepper.com\/application-performance-in-fintech\/\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"189\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX.png\" class=\"attachment-blog-thumbnail size-blog-thumbnail wp-post-image\" alt=\"Cover illustration for a blog post: &quot;The Meaning of Performance in UX&quot;\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX.png 1200w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX-768x400.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX-192x100.png 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX-720x375.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX-864x450.png 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2019\/10\/The-Meaning-of-Performance-in-UX-432x225.png 432w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/>              <\/a>\n                        <p class=\"related-post-description typography-body-smaller\">\n              A deep dive into the mechanics of performance in FinTech and a few handy UX patterns to help you maintain users\u2019 attention and engagement.            <\/p>\n            <a class=\"plus-link\" href=\"https:\/\/codeandpepper.com\/application-performance-in-fintech\/\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\">\n    <path d=\"M7 0h3v17H7z\"\/>\n    <path d=\"M17 7v3H0V7z\"\/>\n<\/svg>\n              <span>Full Article<\/span>\n            <\/a>\n          <\/div>\n                  <div class=\"related-post\">\n            <h3 class=\"related-post-title typography-title-m\">\n              <a href=\"https:\/\/codeandpepper.com\/what-is-a-design-system-in-ux-and-why-it-is-important-to-have-one\/\" title=\"What is a Design System in UX?\">\n                What is a Design System in UX?              <\/a>\n            <\/h3>\n                          <a class=\"related-post-thumbnail\" aria-label=\"What is a Design System in UX?\" href=\"https:\/\/codeandpepper.com\/what-is-a-design-system-in-ux-and-why-it-is-important-to-have-one\/\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"189\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why.jpg\" class=\"attachment-blog-thumbnail size-blog-thumbnail wp-post-image\" alt=\"What is design system in UX and UI\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why.jpg 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why-768x400.jpg 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why-192x100.jpg 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why-720x375.jpg 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/01\/Design-System-in-UX-and-Why-432x225.jpg 432w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/>              <\/a>\n                        <p class=\"related-post-description typography-body-smaller\">\n              A design systems is a single source of truth for the entire design, development, and marketing teams. Why is it important?            <\/p>\n            <a class=\"plus-link\" href=\"https:\/\/codeandpepper.com\/what-is-a-design-system-in-ux-and-why-it-is-important-to-have-one\/\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\">\n    <path d=\"M7 0h3v17H7z\"\/>\n    <path d=\"M17 7v3H0V7z\"\/>\n<\/svg>\n              <span>Full Article<\/span>\n            <\/a>\n          <\/div>\n                  <div class=\"related-post\">\n            <h3 class=\"related-post-title typography-title-m\">\n              <a href=\"https:\/\/codeandpepper.com\/blockchain-cryptocurrency-fintech-market\/\" title=\"FinTech&#039;s Blockchain and Cryptocurrency Market\">\n                FinTech&#8217;s Blockchain and Cryptocurrency Market              <\/a>\n            <\/h3>\n                          <a class=\"related-post-thumbnail\" aria-label=\"FinTech&#039;s Blockchain and Cryptocurrency Market\" href=\"https:\/\/codeandpepper.com\/blockchain-cryptocurrency-fintech-market\/\">\n                <img loading=\"lazy\" decoding=\"async\" width=\"360\" height=\"189\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market.jpg\" class=\"attachment-blog-thumbnail size-blog-thumbnail wp-post-image\" alt=\"Fintech blockchain market\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market.jpg 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market-768x400.jpg 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market-192x100.jpg 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market-720x375.jpg 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/05\/Blockchain-and-Cryptocurrency-Market-432x225.jpg 432w\" sizes=\"auto, (max-width: 360px) 100vw, 360px\" \/>              <\/a>\n                        <p class=\"related-post-description typography-body-smaller\">\n              Blockchain and cryptocurrency are hot topics among FinTech users and investors. Learn more about the FinTech blockchain market.            <\/p>\n            <a class=\"plus-link\" href=\"https:\/\/codeandpepper.com\/blockchain-cryptocurrency-fintech-market\/\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\">\n    <path d=\"M7 0h3v17H7z\"\/>\n    <path d=\"M17 7v3H0V7z\"\/>\n<\/svg>\n              <span>Full Article<\/span>\n            <\/a>\n          <\/div>\n              <\/div>\n    <\/div>\n\n\n  <\/div>\n<\/section>\n\n<style type=\"text\/css\">\n  #related-posts-block_628e1fb5bd32d {\n    background: ;\n    color: ;\n  }\n\n  #related-posts-block_628e1fb5bd32d .block-title {\n    color: ;\n  }\n<\/style>","protected":false},"excerpt":{"rendered":"<p>Central Bank Digital Currencies (CBDC) are among the strong trends emerging today in the FinTech world. The latest digital currency trends show that turning to the elimination of cash, implementing blockchain, and developing digital wallets are pillars of what might come in the future. A cashless society with billions of financial operations per minute. There<a class=\"moretag\" href=\"https:\/\/codeandpepper.com\/latest-digital-currency-news-february-march-2022\/\"> Read the full article&#8230;<\/a><\/p>\n","protected":false},"author":20413,"featured_media":35634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1688],"tags":[1706,1633,1654],"class_list":["post-35627","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-business","tag-fintech-industry","tag-fintech-investment","tag-fintech-software-development"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Latest Digital Currency Trends and Their Impact on FinTech Product Development | Code &amp; Pepper<\/title>\n<meta name=\"description\" content=\"Latest digital currency news shows us a lot of turmoil. 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