Criptomoedas no Brasil: desafios e perspectivas para a adoção no cotidiano

Abstract

The objective of this research is to investigate the challenges and prospects for the adoption of cryptocurrencies in everyday life. The analysis focuses on identifying the potential benefits, practical uses, and technical, regulatory, security, educational, and infrastructure obstacles that influence the widespread acceptance and integration of cryptocurrencies. A narrative literature review methodology was used, covering a wide range of literature on cryptocurrencies, blockchain, financial technology, digital security, regulation and financial education. The research was based on platforms such as BDTD, SCiELO, Periódicos, IEEE, ACM, as well as data from online sources such as Statista and the World Bank.The results indicate that cryptocurrencies have significant potential to transform the global economy and people's daily lives. They have been used in a variety of practical applications, including P2P payments, international remittance transfers, microtransactions, smart contracts, asset tokenization, among others. However, widespread adoption is hampered by several challenges. In short, cryptocurrencies represent a significant innovation with the potential to revolutionize the global economy. However, for this potential to be fully realized, it is essential to address existing challenges in an integrated and collaborative way. Implementing clear regulatory policies, continually developing advanced technologies, improving digital security, building accessible infrastructure, and promoting education are crucial steps to facilitating broader and more sustainable adoption of cryptocurrencies. The research identified areas for future study, including evolving global regulations, developing scalable technologies, and promoting cross-platform interoperability. These efforts are essential to realizing the potential of cryptocurrencies as a transformative instrument in global finance and people's everyday lives.