Кредит это еще больше повышенный риск инвестирования и так очень рискованного дела,как криптовалюта. Но если это будет оправдано, куш можно сорвать хороший,шансы конечно есть,правда процент маловат.

There is definitely a high probability that cryptocurrency could replace the banking system, but not so simple. At this stage, this is of course impossible, cryptocurrency is still very weak compared to centralization, and very influential people are behind the traditional system, it is not beneficial for them in the first place.

For me it's all taken together. And a way to make money, new technologies, decentralization, gaining financial independence, and indeed it is a big part of the new era in finance and economics.

Everything is fine with cryptocurrency, development and movement are going on, even a bear market does not stop this process. And it makes me very happy, I think we are still at an early stage and a lot of interesting things are waiting for us.

A few years ago, altcoins could be counted on the fingers, and no one even believed in bitcoin. Further, after the pump, people's opinions began to change, a lot of altcoins appeared, but only a few of them became famous.

Number one I give Bitcoin, because to this day all the other altcoins depend on it. I prefer ether as the second coin and see growth prospects in it. These are less risky coins in my opinion for the long term.

If we consider altcoins in which it is safest to invest, then this is the top 20. Next are the more risky, possibly more profitable ones. And if you look at the project as a good product and technology, then I think such altcoins are yet to come.