“Cryptocurrency Adoption and the Future of Global Finance: A Conceptual Exploration of Opportunities, Risks, and Systemic Transformation”, TORBIN, vol. 2, no. 01, pp. 23–49, Apr. 2025, Accessed: Apr. 29, 2026. [Online]. Available: https://jurnal.iob.edu.tl/index.php/torbin/article/view/37