In the coming year, the motto of financial-tech developers is going to be “cryptocoins for everything!” Initial Coin Offerings (ICOs), which introduce new cryptocurrencies to the world, have raised $4 billion so far, mostly in the last year and that has turned them into a craze of their own. A future in which each of us has our own personal currency remains improbable. But one in which each big tech platform issues a token as the coin of its realm is probably not far off…..
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