აბსტრაქტი. This thesis analyzes the opinions of different countries and experts on the virtual currency industry (in particular, cryptocurrencies). The global economy reviews the issues related to the fact as to what future the bank (the major financial mediator) is likely to have. Macroeconomics does not clearly predict the future of the cryptocurrencies and their possible development tendencies. The first phase of globalization was the Internet, but nowadays the decentralized Blockchain system is the second phase of globalization, where the boundless universe becomes more and more successful. From today's perspective, the virtual currency really goes beyond traditional economics with a high perspective to have a place in the nontraditional economics.