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Will Cryptocurrency ACTUALLY Replace Fiat Money? (Differences Explained)Cryptocurrency may readily replace cash as a store of wealth, medium of trade, and unit of account. Decentralized blockchain-based solutions can. The top US bank regulator says that crypto tokens are unlikely to replace traditional currency and that banks should proceed cautiously when. Central bank digital currencies can replace cash in island economies and offer resilience in more advanced economies, according to IMF Managing.