So far, the use of cryptocurrencies as a full-fledged, high-quality alternative to fiat and the banking system looks like a transition to payment with cowrie shells or other monetary surrogates. The reason is trivial - decentralization and some technological problems (for example, erroneous sending of tokens to a non-existent address) do not allow the implementation of a full-fledged, self-sufficient financial system on today's cryptocurrencies