No doubt about the future of fiat money: it's gonna be replaced by cryptocurrencies.
But does virtual money need a REGULATOR?
There is no doubt that the national money of states will exist as long as the states themselves exist. Also, cryptocurrency can not force out cash. Only the governments of specific states can decide to abandon their paper money. However, non-cash forms of national payments will always exist. Cryptocurrency actually cannot have a significant impact on the national money of the states, they will exist in parallel with each other and complement the capabilities of each other.