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      "title": "Cryptocurrency 101",
      "body": "Cryptocurrency or virtual currencies is a digital currency uses extremely complex code system that encrypts sensitive data transfer, which is impossible to break and protects duplicate or counterfeit currencies. There are hundreds of cryptocurrencies. Bitcoin is widely regarded as the first modern cryptocurrencies.and other are considered as ALtcoins.\n\nHISTORY\n\nThe first digital currency was invented by Satoshi Nakamoto is a pseudonym.It could represent a man, a woman, or even a group of people since the cryptocurrency was created in 2008, no one has been able to figure out who Nakamoto really is.\n\nTECHNOLOGY\n\nThe technology behind the virtual currency is BLOCK CHAIN, it is distributed ledger, Decentralised and peer to peer network. In simple terms every data or transaction is an essential an entry in a ledger which is centralized no one can access without authorization, whereas in Blockchain is a person to person, decentralized distributed ledger no centralized authority to modify the ledger, everyone can edit change it reflects universally that any changes happen.\n\nHOW DO CRYPTOCURRENCY CREATE\n\nMiners are a group of individuals serves as record keeping for the cryptocurrency. miners use high power computers to verify the completeness, accuracy blockchains. on doing, miners get a reward as cryptocurrency units which form a new currency.\n\nWHERE DOES IT STORE\n\nCryptocurrency users have “wallets” with unique information that confirms them as the temporary owners of their units, Wallets can be stored in the cloud, an internal hard drive, or an external storage device. \n\nUSES\n\nIt attracts Money launderers to laundering money, Human trafficking, Drug trafficking, access to the dark web, ransomware and facilitating illegal market because the absence of counterparties and anonymous system could subject the users to unintentional breaches of anti-money laundering and combat the financing of terrorism and it's not all transactions are for illegal activities where some people use virtual currencies for trading.\n\nLEGAL OR ILLEGAL?\n\nvirtual currencies have not been declared as illegal in India but under which regulatory body they will fall is still unclear because of the anonymous system and its technology whereas as the USA, CANADA, AUSTRALIA, EUROPE, SINGAPORE, JAPAN etc are declared as legal. on the other side CHINA, BANGLADESH, BOLIVIA, ICELAND etc banned virtual currency.\n\n''The RBI had warned that any user, holder, investor, and trader dealing with virtual currencies would be doing so at his/her own risk.''\n\nMany experts say that governments have now come to understand that like the internet, bitcoin is not owned by any one central authority, and this may be difficult to ban. However, like the internet, businesses based on bitcoin or cryptocurrency can be regulated, but not the entire network itself.\n\nCONCLUSION\n\nOne of the biggest challenges for the growing tension between the fast-growing crypto-currency industry and AML guidelines is fueled by several factors, The current AML system was originally tailored to address existing centralized financial services systems. By default, these guidelines cannot account for a financial system based on intrinsic anonymity. Rather, AML relies on the ability to monitor and exploit the Know Your Client (KYC) process, identifying information which every financial institution is required to account for by law.",
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