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Abstract: This article focuses on digital currencies, which are gaining popularity every year. It describes the history of digital money, the main players in the market, barriers to the development of electronic money, as well as the differences between digital currency and cryptocurrency. Today it is important to pay attention to cryptocurrency and electronic money analyzed to a certain extent in this article. Keywords: digital currency, cryptocurrency, electronic money, "closed" or "partially closed" systems, penetration, bitcoin, externalities, blockchain, transaction cancellation.