Cryptocurrency Adoption and the Future of Global Finance: A Conceptual Exploration of Opportunities, Risks, and Systemic Transformation. TIMOR LOROSA’E JOURNAL OF BUSINESS AND INNOVATION (TORBIN), [S. l.], v. 2, n. 01, p. 23–49, 2025. Disponível em: https://jurnal.iob.edu.tl/index.php/torbin/article/view/37. Acesso em: 29 apr. 2026.