Actually it's totally different,
even though its name was Cryptocurrency,we can not compare it to actual money aka Fiat.
if we want it to be considered as a 'real currency' we should have a physical form.
right now the best word to describe it is 'Electronic Payment' not 'Electronic Money'.
'Electronic payment' was a tool for people to help them send their money across the world,
it's just a tool and will never replace the real 'money' itself.
I think it is more stable to you physical money, becuase in electeonic money you need to create a wallet, amd a lot of thing you need to create, in physical money you only need is put it in your pocket, and if you need to buy things you have a money in your pocket,