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Since the year of 2022 was marked by many significant and rapid changes on the cryptocurrencies market, this comparative study explores perceptions of Romanian students about cryptocurrencies before and after the market collapse. A qualitative approach has been used to understand attitudes towards cryptocurrencies in March 2022 (when prices of most cryptocurrencies were higher) and then the same study was conducted during August-November 2022 (when the prices of most cryptocurrencies were lower after a dropout in prices that lasted all throughout the summer). Descriptive and inferential statistics were used to compare the results. Our findings show that cryptocurrencies were associated with more negative words in the second wave of the study, but surprisingly, the willingness to invest in such assets did not change that much. However, the willingness to invest seemed to be influenced by how secure/trustworthy respondents perceived cryptocurrencies. Implications and future research suggestions are finally discussed.

Since the year of 2022 was marked by many significant and rapid changes on the cryptocurrencies market, this comparative study explores perceptions of Romanian students about cryptocurrencies before and after the market collapse. A qualitative approach has been used to understand attitudes towards cryptocurrencies in March 2022 (when prices of most cryptocurrencies were higher) and then the same study was conducted during August-November 2022 (when the prices of most cryptocurrencies were lower after a dropout in prices that lasted all throughout the summer). Descriptive and inferential statistics were used to compare the results. Our findings show that cryptocurrencies were associated with more negative words in the second wave of the study, but surprisingly, the willingness to invest in such assets did not change that much. However, the willingness to invest seemed to be influenced by how secure/trustworthy respondents perceived cryptocurrencies. Implications and future research suggestions are finally discussed.

We studied the effects of the recent financial turbulence of 2020 on the cryptocurrency market, taking into account both prices and volumes from December 2019 to July 2020. Time series were transformed into transaction matrices, and the Apriori algorithm was applied to find the association rules between different currencies, identifying whether the price or the volume of the currencies compose the rules. We divided the data set into two subsets and found that before the decline in cryptocurrency prices, the association rules were generally formed by these prices and that, then, the volumes of the transactions dominated to form the association rules.

Libra – a global virtual currency project initiated by Facebook – has been the subject of many controversial discussions since its announcement in June 2019. This paper provides a differentiated view on Libra, recognising that different development scenarios of Libra are conceivable. Libra could serve purely as an alternative payment system in combination with a dedicated payment token, the Libra coin. Alternatively, the Libra project could develop into a broader financial infrastructure for advanced financial services such as savings and loan products operating on the Libra Blockchain. Based on a comparison of the Libra architecture with other cryptocurrencies, the opportunities and challenges for the development of the respective Libra ecosystems are investigated from a commercial, regulatory and monetary policy perspective.

This article focuses on Facebook's new digital currency, initially called \"Libra\" and renamed in December 2020 \"Diem\", that has been designed and proposed by the Diem Association (formerly the Libra Association). It briefly reflects on the historical meaning of money and currency, as well as \"local currencies\" viewed as precursors to the new \"digital currencies\" or \"cryptocurrencies\". The paper presents a general overview of the Diem project, particularly from the perspective of financial theory and practise. It looks specifically into Diem's business model and analyzes the project's planned and potential revenue streams, according to official documents published by the Diem Association. The research identifies potential obstacles and hurdles this digital currency would (since it has not happened yet) face on launch day and assesses whether the project is feasible in its current form. In the authors' view, although some early concerns were addressed in the Diem White Paper 2.0, the Diem project is only questionably ready for commercial launch in its current state. Speaking directly to the financial aspects of the Diem Association's project, the current regulatory hurdles and institutional pressures seem difficult to bypass without making some additional noticeable and meaningful changes to Diem.

The aim of this study is to identify crypto assets with similar characteristics and to explore the similar responses of these assets to market-priced events. This process is carried out in two stages. Cluster analysis and association analysis were applied in the research. First of all, cluster analysis was performed using the variables; the total number of active unique addresses, USD value of the current supply, fixed closing price of the asset, return on investment of the asset, total of the current supply, number of transactions, USD value of the sum of native units and 30 days volatility criteria. HK-Means algorithm and R Program were used for clustering. Then, the co-movement of crypto assets was analyzed using the FP-Growth algorithm and the WEKA program. 71 crypto assets with the highest market capitalization and meeting the research criteria were included in the research. The data used in the research covers the period of May 2021-May 2022. According to the main findings obtained from the research; within the framework of the criteria used in the research, 4 clusters were formed. Most important association rules found to be between; btc (bitcoin) & aave (nominex), eth (ethereum) & aave (nominex), dot (polkadot) & aave (nominex), neo & aave (nominex), uni (uniswap) & aave (nominex) , btg (bitcoin gold) & etc (ethereum classic), xrp (riple) & algo (algorand) & doge (dogecoin), xrp (riple) & doge (dogecoin), cro (cronos) & xrp (riple) & algo ( algorand) & trx (tron) & doge (dogecoin).

[...]they should not be construed as representing the position of the American Bar Association. Because the software that runs the ledger generally is open-source, and the network of computers that verify transactions generally operates via consensus, the software can be modified if enough participants on the network agree to do so. [...]unlike in Macomber, BCH has unique properties, and it is unrelated to BTC except by the shared historical ownership. [...]unlike the taxpayer in Macomber, one could argue that an owner of BTC who received BCH at the time of the fork received a new and different asset of exchangeable value for the owner's separate use rather than something representing an increase in the underlying value of the previously held BTC. [...]the owner would report the fair market value of the coin at the time of crediting as ordinary income, since the forked coin was not received in a sale or exchange, and would take a basis in the forked coin equal to its fair market value at that time.