In the past few years, we are facing a new phenomenon that brings significant changes to the financial transaction system. If at first we make money transfers through bank services, we can now do it personally through our own hands. The world is now in the grip. To just make a transaction, we don’t need to move one step. The new system developed in this decade provides enormous convenience for conducting digital transactions. for payment instruments now using digital tokens or coins. this fact has become a very serious conversation throughout the world both in the private life of the community and in international forums. How not, this new system does not even require more fiat money as a means of payment……