The effect of crypto currency adoption is the decentralization of financial transactions, with that it allows for more secure and transparent transactions, without the need for intermediaries like banks. It can potentially reduce the cost of financial transactions and increase financial inclusion for people who do not have access to traditional banking services. Potential for increase for privacy in financial transaction is another effect. Crypto currencies like Bitcoin allow users to make transactions without revealing their identity, which can be beneficial for people who are concerned about privacy.