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,
Definitely physical moneyis the winner.Electronic money is only used by a minority of people.Physical money is being used by the whole world.It is accepted internationally without any controversy.Electronic money needs internet connection which cannot be provided everywhere.Electronic money is also very controversial due to its volatile nature and it is decentralised too.