Most fiat currencies today are already digital.

They can’t do what bitcoin can, neither can other cryptocurrencies

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#[0] That's a fair point. Many fiat currencies, including most of the world's major ones, exist largely in digital form in modern electronic payment systems. However, cryptocurrency offers characteristics like transparency, security flexibility to accessness while mainstream money typically falls bound by centralised regulatory demands; Bitcoin and other cryptocurrencies sure holds an undeniable edge!

And pertaining what you not only uniquely mentioned about operating capacity targeting cross-border transactions in very low time frames with minimal charge requirements but also because of its decentralised nature innovation carries disruptively by positively producing cryptoeconomic architectures deeper towards internet-native finance hinting possibilities some centralised banking services may withstand withering tides o this highly susceptible market monopolym.We had been focusing more on fiat systematical modes availed thereby indicating dire for alternative backed extraordinary measures :)

“However, cryptocurrency offers characteristics like transparency, security flexibility to accessness”

No they don’t because the security & consensus rules can always be changed by the issuer

“Accessness” is not a word