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1、CONSUMERADVISORY
2、AUGUST2014Riskstoconsumersposedbyvirtualcurrencies§Cost.VirtualcurrenciescancostconsumersWhatarevirtualcurrencies?muchmoretousethancreditcardsorevenAnd,asaconsumer,whatrisksregularcash.shouldyoubeawareof?§Scams.FraudstersaretakingadvantageoftheY
3、oumayhaveheardaboutvirtualcurrencieslikehypesurroundingvirtualcurrenciestocheatBitcoin,XRP,andDogecoin.Youmayhaveheardpeoplewithfakeopportunities.youcanbuythemonline.Insomecircumstances,Sobeforeyougetinvolved,it’simportanttoknowyoucansendthemtootherpeopleoruseth
4、emwhatcangowrong.topayforgoodsandservices.Youmayalsohaveheardthatsomepeoplebuythemasspeculativeinvestmentsorthatyoucan“mine”themwithyourWhatarevirtualcurrencies?computer.Virtualcurrenciesareakindofelectronicmoney.Butwhatarevirtualcurrencies?And,asaconsumer,Thatm
5、eanswhenyoubuyavirtualcurrencyyouwhatrisksshouldyoubeawareof?Inanutshell,don’tgetanactualcoinorbillthatyoucanholdinwhilevirtualcurrenciesofferthepotentialforyourhands.Instead,youreceiveelectronicunitsinnovation,alotofbigissueshaveyettobethatmanypeoplemayagreetoa
6、cceptandtreatresolved–someofwhicharecritical.likedollars,euros,orotherformsofmoney.IfyouareinterestedinusingorbuyingvirtualButvirtualcurrenciesaren’tregularmoney.Tocurrencies,youshouldbeawareoftheassociatedbeginwith,virtualcurrenciesarenotissuedrisks:orbackedbyt
7、heUnitedStatesoranyothergovernmentorcentralbank.Nooneisrequiredto§Hackers.Virtualcurrenciesaretargetsforhighlyacceptthemaspaymentortoexchangethemforsophisticatedhackers,whohavebeenabletotraditionalcurrencies.Towork,theydependonthebreachadvancedsecuritysystems.pr
8、ocessingpowerofvastnetworksofunidentified,§Fewerprotections.Ifyoutrustsomeoneelsetoprivatecomputersaroundtheworld,whichholdyourvirtualcurrenciesandsomethinggoesmaintainandupdateapublicledgercalledthewrong,thatcompanymaynotofferyouthekind“blockchain.”(Thinkofitas
9、apublicspreadsheet.)ofhelpyouexpectfromabankordebitorcreditcardprovider.ConsumerFinancialProtectionBureauLearnmoreatconsumerfinance.gov.1of6Ifyouarebuyingvirtualcurre
