Cryptocurrency is changing the world very quickly, and in particular, the world of financial relations. We see that under the influence of the spread of cryptocurrencies, most states are now working to create their own national digitalized currencies of central banks. This will completely change the existing payment system. In the future, various combinations of the use of digitalized currencies and cryptocurrencies will appear. It is possible that this will lead to the creation of some new payment systems, which we do not even know about now.