On 1 September 2022, the global crypto currency market was valued at a trillion dollars, but that figure actually peaked at $2.8 trillion in November 2021. And therefore, whichever way you look at it, cryptocurrency is now a huge economic entity in its own right. With roughly 38 and 18 per cent market share respectively, Bitcoin and Ethereum are the two largest out there. Digital currencies bring with them two main features that suggest they are the future: Firstly, because they work on highly encrypted blockchain networks outside the established financial system, they offer the potential for greater efficiency and securing; and secondly, the operate as decentralised entities, taking governments and state banks out of the equation and empowering businesses and individuals with the margins that were only previously available to banks.